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dragnldy wrote:Maybe try a GW. I had somewhat the same issues with collection/charge-off accounts not being reported closed and/or an incorrect date. Imagine my surprise when I got a new SW to see if my score went up and saw a 12 pt drop. One account has changed the DOLA to being charged off at the time I paid it off but now shows it is closed. The other account has actually changed the DOLA to CO last year and has not shows it as closed. This account was paid almost two years ago, but now it will show as a "recent" item again. Good luck