I got my Trans Union report and I was scanning it. The baddies included: one foreclosure, 3 collection accounts (unpaid), 1 paid collection and 2 charge-offs. I haven't done anything with ANY of the accounts that are unpaid since 1999 when all hit my report, however, the status area on some, as well as the updated area is showing 2000. For example: I had a First Premier card charged off in 1/98. Haven't sent a dime since. However, the updated area for them says 6/2000. (This occurs for Collectech and Concord Servicing also) Sooo, for that 7 year thing, what date are they using? (I heard it changed, which why I'm asking). It used to be date of last activity, but with First Premier updating my information, who's to know when my last activity was? Second, how can they just update my file without ANY contact with me? No one has been contacting them in my behalf. I'm working with Junum now so hopefully they can have it removed totally, but if I weren't, how would I handle this?