[Zeke]

Everyone is entitled to submit a 100 word or less statement of any kind to be inserted in your report whether the issue was resolved or not.

john70t, you could have fixed your credit with an explanation of this type plus a filed dispute. When you dispute or contest a credit entry, the credit reporting agency HAS to send out a letter to the original creditor asking for their side of the story. If not received back within 30 days (maybe 60, I forget), they MUST remove the entry. Otherwise, old, out dated and erroneous info could reside on your report for many years.