just in case anyone wants this info:
I reconned (successfully!) a chase card.
Baddies were a collection paid 6 months ago, and 2 late payments to student loan and cc, both in 2003.
I brought up the student loan thing, and she said, "No, that was a long time ago, I'm more concerned about this Household bank late payment", but they were both from the same year, so??
Discover card that is marked 'closed by credit grantor' in 2004. I think it may have been closed due to inactivity, I honestly couldn't remember. I know I wasn't using it in 2004.
With the collection, I told her I had moved, didn't know about it, then paid it as soon as I found out about it, not realizing it would hurt my score, but I emphasized that I had tried to do the right thing. This seemed to put me over the top.
They pulled EQ AND TU, but I was told on the phone they pull EX almost exclusively. Guess not!