Yeah it was the last 3 of a long series of after college mistakes. 
It's amazing thinking back because I remember as a student thinking people wouldn't care that much that I missed almost all my payments on most of my cards (about 10 then) for a few months when I first graduated.....and here I am 7 years later....I wish I had found forums like this a LOT earlier!!
I love playing this game now...I'm at 836 (experian fico) and going after 840. I'm still working on getting transunion up too.
Thanks!!!! 
Good morning! To put it simply, I hounded the OC all of the way up to the President's office. So far, Experian (of all CRAs!) has been the only CRA to change the status, though all three deleted years of erroneous history/recent activity, that in and of itself raised my scores 30 points plus! The request for change of status has to come from the OC, to the CRAs, and it can't be done electronically. They have to update manually or the status codes won't change. I got through to the President's office by calling and saying (kindly) that I was done talking to their credit dispute department and their supervisors. I wanted the number to their corporate office and nothing less. Of course they told me that they weren't able to give out that number, to which I said, "What's your name? Can you spell that for me, please? Thank you. So I'll just search the net until I find the number and the name of a corporate officer ...." And that was that. She never did give me the number, but she did transfer me to the President's office! I have the number now, on their letterhead, apologizing for the trouble I've been having with their reporting!" I plan to add a copy of that to a GW to get the account deleted altogether.
Thank you Noah_Bodie and Tuscani! But for the two of them I wouldn't have known what to do!
Again -- hound the heck out of them, and compile as much documentation as you have that supports erroneous reporting, which is always grounds for a suit.The huge dips were due, for the most part, to the erroneous reporting of the charge off. The account charged off on 2/2003, but updated several times to show a new/recent charge off/bad debt. I have to tell you though that arguing codes with the CRAS is next to impossible, which is why it's best to go straight to the OC and insist the account be reported with the correct codes for paid charge off.
Good Luck!
Message Edited by MercyMe on 07-07-2007 04:28 AM
Message Edited by MercyMe on 07-07-2007 04:28 AM