Hi, just got my reports & on 2 of 3 reports, it shows 1 missed/late payment (5 yrs ago) but does not appear on the accounts listings. Whats the best way to find out from what company it's from? Also, if i was the 2nd person on a joint account (that is delinquent part of a bankruptcy and/or, passed on to another agency...) can i have it removed from my credit history?
