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  1. I check my CR's online every 4 months. I have copies of my reports going back 15 years. While applying for a new apartment, I was informed I had to pay 2 months upfront due to negative on credit. I said "What are you talking about?" They said there was a bill for $698 outstanding. It was a medical bill. In May, I found that 5 year old medical bill (that was paid) still reporting on Equifax only. Disputed, was deleted. Checked Experian yesteday. Found collection for $10,090 backdated to 2010. Disputed immediately. Called Experian today, asked how this is possible? Experian said Co