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Credit Bureau Ratings

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Regular Contributor

Credit Bureau Ratings

Hi again,
 
Question about credit bureau ratings:  If a creditor charged off an account, I assume that an R9 rating is accurate.  However, if the account shows historical references with 0 delinquencies, shouldn't the rating be R1?  How do I go about updating a rating.  Contact the CB?  For example, I have the following showing on my report, although it is absolutely inaccurate and I need to figure out who to write to to get it fixed.
 
examples:  Cap 1 - Balance owing $3002, charged off amount 3002 [dola 8/02], Rating R-9, historical mo 86, 30 2, 60 2, 90 3.  Shouldn't it read balance owing as zero.  And how long will the R-9 stay there?  7 years?
 
Providian - Balance owing $1916 [should be included in bk], past due $414, Dola 2/2002, R-5, with zero in historicals.  Doesn't make sense.
 
If a charge off is paid, does it still report as an R or I 9? 
 
Do you think I should write to the OC or the CB
 
Thanks for any and all suggestions.
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