The problem: MBNA is reporting a charge off and many, many lates (throughout 2002 & 2003--after I made arrangements) for one account and many, many lates for the other account (throughout 2002 & 2003--after I made arrangements). I called MBNA and they refused to talk to me because they "no longer have the account". W & A won't do anything because they are not reporting me late. I've disputed the MBNA tradelines over and over again. I'm having fairly good luck except for EXP. I've disputed with letters ("not my account"). I've disputed online ("no knowledge of account"). The tradelines still remain. It's to the point now where EXP won't take another request for investigation ("already investigated"). What is my next step?? HELP!!!!!!!!!!!!!!