1. There is no such thing as evidence. You can not possibly produce something that will cause them to delete anything if the credit card company verifies. 2. They are not required to provide dates of delinquency even if they have them. So, if they want to say 2 30 day lates in the past 48 months without a date, they can or the charge-off occurred in 94 but paid off in 00 they can give only the 00 date if they feel like it. Scoring software be damned. 3. I am not looking at my credit report b/c she can see my report and the dates are all on there. (In direct contradiction to #2). 4. She can not see my score and no one who works there can either. I think I might start drinking. . .