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Ok, its $429 and one of the last items that I can do something about. The issue is this: Last Payment 10/11/08- I notated it as full payment of balance but then found out that the $50 payment that preceded this one bounced... so there had to be a bad check fee or a continued balance of at least $50 plus interest plus no payment since then. I got divorced and I believe that two more small charges totaling $182 were charged in Jan/2009 but I had moved out so I don't know and she certainly doesn't remember... They accepted the charges and I don't know if they wrote them off or what but there are a load of 'late payment" charges in an account debit and credit statement that they sent me. The two items charged were sent to my old residence with a teenager and angry ex in residence. I blissfully thought I had paid it off.. Come to find $182 plus interest totally $429 on my account on all three bureaus showing same last date of payment but showing account current until june of 09 and then written off November of 09. I have the statements from Jan 09 sent to me with invoice copies but have no evidence except for a payment receipt showing last payment plus a penciled in notation of $50 already paid as I had not yet gotten notice that it bounced. In NY, it stays on your report for five years from date of last delinquency.. which would be Nov 08... but there were two more charges. There are some mysterious credits for fees and interest. Three times I have requested statements, three times they claim to have sent them (have used NYC and suburban address plus a fax number) and no go... I stupidly gave them my SS * after they said that they could not find the records but would not delete... I was sure that they would cave eventually. No collector on the account, no collection letters ever... Should I report them for re-aging? It should be off my account from 5 years past last payment.. does that date still apply if check is notated payment of full balance? I did not know the $50 had bounced but something funny is going on and I don't think that their failure to send me stuff is a real error- this has been going on since Feb....I think that they re-aged it according to their summary but the whole thing is odd. DFS was in Texas at the time and I believe that the SOL is 3 years. Should I offer to pay the $182 for delete? that was the original chargeoff and then they changed it to $429... Am I being stupid not to just pay it or do you think that my suspicions are correct? It is one of the few left on three reports and I am so peeved with them...I think that it is clouding my judgment on this..