Equifax report indicates a BOA account with the date of last activity in October 2002; a charge off in April 2003, and judgment in April 2005. These are all correct. It now shows 90 days late for September and December 2006. I don't understand this.
What is the basis for reporting 90 days late, two years after a judgment and four plus years after charge off?
Should I dispute? If so, what would be the basis of my dispute?