Thanks! What is an 'ITS Letter'? Is that more then a dispute? I have disputed this twice, fell off of TU and Efax, remained on Experian both times. 'Requested' Documentation, they ignored.
Here is what it looks like. As you can see, reported as a loss in '02 not to mention a 36 month contract opened in '00 as they list meaning term contract ended in '03. They show 90 days late for 05 through 07 which has to kill my score. And of course won't show 'Closed Date'. Just 'Reported as Loss' (i.e. Charged Off).
As far as I can tell they stopped reporting lates when I disputed the item itself but left those on.
Can I actually and credibly threaten a suit and can I *force* Experian to remove it based on Lates Plus Charge-Off? I'd be interested in knowing how strong my case is before they actually accept a PFD (though they have ignored that much as they ignored doc requests)...
Bally Total Fitness
Status as of [?]
Dec, 2007
Date opened [?] Mar, 2000
Date of last activity [?] Oct, 2002
Date of last payment [?] Mar, 2002
Date closed [?] Not
Loan type [?] Installment Sales Contract
Terms [?] 36 Months
Account Type [?] Installment
Scheduled payment amount [?] Not Reported
Balance [?]
Current Status [?]
Past Due Amount [?] $360
Unpaid balance reported as a loss by credit grantor $420
Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 26 times (Dec 2007, Nov 2007, Nov 2007, Sep 2007, Aug 2007, Jul 2007, Jun 2007, May 2007, Apr 2007, Mar 2007, Feb 2007, Jan 2007, Dec 2006, Nov 2006, Nov 2006, Sep 2006, Aug 2006, Jul 2006, Jun 2006, May 2006, Apr 2006, Mar 2006, Feb 2006, Jan 2006, Dec 2005, Nov 2005) Recent payment history [?]
1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 2006 2007 
Collection
1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 2006 2007 CollectionWorst Delinquency [?] Charge Off, Collection, Or Bankruptcy
I am so glad I read this thread! I just realized why my Experian score sucks so bad!
A charge-off is reporting as late 28 freaking times!!! 25 are 120+ days late. 
Would it be best to dispute this in writing, as....well, I don't know what to dispute. 
Status as of Aug, 2008 Unpaid balance reported as a loss by credit grantor
Date opened: Aug, 2004
Date of last activity: Sep, 2005
Date of last payment: Jan, 2005
Date closed: Not Reported (THE CAUSE OF ALL MY PROBLEMS?)
Account number: XXX0979
Loan type: Unsecured Loan
Credit limit: Not Reported
Largest past balance: Not Reported
Terms: 16 Months (THIS IS PROBABLY WRONG)
Account Type: Installment
Account holder: Individual
Scheduled payment amount: Not Reported
**bleep** IT! I JUST REALIZED MIDLAND IS DOING THE SAME THING ON ANOTHER ACCOUNT!!!
This is for a Verizon CO.
Status as of Sep, 2008
Date opened: Nov, 2006
Date of last activity: Mar, 2007 (I stopped paying on this on Fall 2004)
Date of last payment: Jan, 2008 (Payment made to Midland upon threat of arbitration)
Date closed: Not Reported (Probably an issue for me)
Account number: XXXXXX9513
Loan type: Unknown - Credit Extension, Review, Or Collection (No idea if this matters or not)
Credit limit: Not Reported
Largest past balance: Not Reported
Terms: 1 Month (I guess, since I had to pay Verizon monthly?)
Account Type: Installment (see above)
Account holder: Individual
Scheduled payment amount: Not Reported
