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Hi there! I've got myself a fairly uncommon situation, at least my Googling seems to indicate so... I'll try to keep it brief, please prompt me if I'm leaving out anything important! I have a derogatory account that was originally incurred via the dentist through Unicorn Financial, which is now owned by Chase Health Advance. This originated in January 2007. My charges as per the dentists' ledger total $5731. CHA has my total charges for procedures at $6167. What the heck? That's a discrepancy right there! Also, with all the fees and interest charged, my original account balance (by my calculations, receipts and statements) should be $7414. I've paid over $3600 toward this debt (no interest is accruing anymore), but my most recent receipt shows a balance of $7138. That...just... doesn't add up. Is there a way to formally request an itemized reconciliation of my account? Is that a standard course of action? Is there any disadvantage to doing so? I asked for one verbally back in September, and the CSR said he'd send a detailed statement, but it never came. They do have my current address. I'm terrified of restarting the 7 years of reporting the account. It's noteworthy that I am still dealing with the original creditor, even though the account has long been charged off. In fact, it's due to fall off my credit reports next year. I don't want to do anything to jeopardize that! I have been making small goodwill payments toward this debt for several years, and it has never been reported to a collection agency. I do eventually want to settle this debt, but right now I just want to understand what I'm being charged for so I can have all my ducks in a row in preparation of settling in the future. It's important to me that the amount of debt I'm working against is correct in the first place! Any advice would be welcome! Thank you! PS- where is the spell checker on this forum?