I'm in the same boat..the representatives at EX and EQ say...of the account has derogatory marks..such as lates...or anything like that..it's marked as derogatory...even if it's paid or not...I know that's messed up...I disputed everthing..
I wanted all my OC chargeoffs that were sent to collection to report as Closed(transferred)...not derogatory..they did that for me...it seems like EQ is the ones who just won't agree...