Capital One Charge Off Reporting

[Anonymous]

First time poster.  Thanks in advance for any insight folks can provide. 

In May of 2005 I finally paid (in full) a Capital One credit card account that had been charged off.  I paid Cap One directly (no collection agency).  I've been reviewing my credit reports and it appears that Cap One is reporting this differently to each CRA.  For TU and Experian, it is reported as "Closed (Paid)" and Equifax reports it as "Derogatory."  The "High Balance" is different ($791 on TU and Equifax, $1222 on Experian), dates are the same at each CRA, and the amount they report as charged-off varies as well ($791 on Equifax, $834 on Experian.

Lastly, the final amount I paid to Cap One does not correspond to any of the numbers reported to the CRA's.  I have the letter they sent confirming my payment and that the account was paid in full -- I paid $1289.

Can anyone explain why the info varies by CRA, is this impacting my score, and if so what can i do about it.  I tried to call Cap One earlier but gave up after being on hold for 20 minutes.

Thanks!

[Anonymous]

I just re-read this and I did not make it easy for folks to see what is being reported by each of the CRA's.  Here's the quick run-down.  Thanks, again, for insight -- will be much appreciated.

TransUnion

Balance: $0

Date Updated: 8/2005

High Bal:  $791

Status:  Payment After Charge Off/Collection

Date Opened:  5/2002

Date Closed:  3/2003

Date Paid:  5/2005

Experian

Status:  Paid, Close/Account charged off.  $834 written off.

High Balance:  $1222

(same dates as TU)

Equifax

Current Status:  Charge-Off

Activity Description:  Paid and Closed

Charge Off Amount:  $791

Comments:  Paid charge off, acct closed by credit grantor

The final amount I paid in 5/2005 was $1289.60

Is something screwy here?