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I got my dispute report back from EQ. I disputed a First USA account as "not mine". It came back as verified, but they also changed some info.

The account was charged off in 10/02, and I settled it for $0 balance after that. However, on the new report it is showing as charged-off in 2/01 and the acct closed on 10/02.

So the question - which date is better for the score?

Right now it shows CO for each month from 2/01 thru 9/02. that would mean it was CO over 3.5 yrs ago.

Or should I have them change it to the correct date of CO on 10/02 and closed on 10/02. Then it would only be 1 yr 8 months old but only have one month as a CO.

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