1 American General Date opened 4/96, last activity 12/96 status is an I5, date reported 10/97, Previous pay history was 1time 60 day; 5 times 90 + 2. Bank of America, even with the letter I received from these bozos, I decided to call em and ask why the paper they sent says paid in full and the credit file say settled she gave me a bunch of mumbo jumbo saying I settled dont recall doing so, I recall it appening like this, I thought I was finished paying my car off after a few months they called said I sill owed them money, in whhich I paid it in full and now this crap but all that said this is how it report on the credit report: open 8/94 last act 4/00 status I9 date reported 2/01 SETTLEMENT ACCEPTED ON THIS ACCOUNT 3. Discover Financial open 6/95 last act 11/96 status R9 date reported 6/01 I did an online investigation on this one. Came back verified previous paying history 3 times 30 dys late, 3 times 60 days late, 8 times 90 + late 4. Hechts open 12/91 last act 5/01 status R1 date reported 5/01 previous payment history 3 times 90 + late 5. AT&T Universal Card Svs Date open 12/95 lastact 11/97 status R9 date reported 6/01 Charged off accont credit card also did online dispute with this one, needless to say but this is my equifax report. Looking at my 5 derogs, what kind of sucess do you think I can have and how soon till sucess for this bad of a report???