yes.......i am just looking at my EQ report from SW.....thought i would concentrate on the one first.......should i be pulling up all my reports all year round & watch all of them? are their cc that just use EQ only? also....i read it in here before....but i mailed a dispute letter last week...and my score dropped 30 points....could that be the cause....i also had my account go over the limit cause they added their yearly fee....but i paid that so it's within the credit limit now.....i also had a collection agency still report that interest in collecting...this is one of the ones i'm disputing......i'm still confused if i should try to get a PFD for these accounts....or just wait for them to drop...thanks again everyone!