I'm 3 for 3 on firm no's. I don't know what else to do. All CEOs, or their staff, replied saying they are required to report accurate information. As far as I'm aware that is true, but technically, they can choose whether or not to report the account at all? Is it worth responding and telling them that, or am I just wasting my time? The worst ones are paid charge offs from 2017, so I suppose they won't be affecting my credit in the near future. But the most recent is synchrony/paypal credit from 2020. Worst status 120 days late, not charged off, but last 30 day late was in January 2021. Then I paid it off completely. It's tanking my credit score and I really want to get a better interest rate on my car. Side note: being bipolar sucks. I was diagnosed in 2020, it consists of impulsive spending followed by months long depression. I've got a handle on it now that I know what I'm dealing with... But do I really need to wait 7 years to stop dealing with the consequences of my manic episodes? Thank you.