I have been reported on my Equifax report as being 60 days late on my Macy's card in November of 2006 AND 90 days late in November of 2006. Can't you just get dinged on one or the other?
01/05/08 EQ 598 TU 612 Experian 599
01/25/08 EQ 605 TU 620 Experian 599
08/04/08 EQ 658 TU??? Experian 635