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Key derogatories on Experian report


forgop
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I have an MBNA account that was in collection and paid for a lesser amount going back to around 2000. When attempting to go through DV for the first time back in Feb 2003, they listed it as a key derogatory once again. Why is that?

BOA MBNA

EXPERIAN

Account Name: BOA MBNA

Account Number: 0XXX

Acct Type: Credit Card - Revolving Terms

Acct Status: Closed

Monthly Payment:

Date Open: 1/1/1996

Balance:

Terms: Revolving

High Balance: $8,460.00

Limit: $0.00

Past Due:

Payment Status: Legally paid in full for less than the full balance

Comments: Election of remedy - reported by subscriber

24-Month Payment History ? Legend

Date: Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb

01 01 01 01 01 01 01 01 01 01 02 02 02 02 02 02 02 02 02 02 02 02 03 03

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK KD

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This is what I got from my report.....

KD ='s Claim, Term Default, Government Claim, Paid by Dealer, Bankruptcy Chapter 7, 11 or 12 Petitioned, or Discharged and Bankruptcy Chapter 7, 11, or 12 Reaffirmation of Debt Rescinded

To me it says you've done wrong and it is a KEY DERG. against your credit.

I also have a KD on my report.....

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This is what I got from my report.....

KD ='s Claim, Term Default, Government Claim, Paid by Dealer, Bankruptcy Chapter 7, 11 or 12 Petitioned, or Discharged and Bankruptcy Chapter 7, 11, or 12 Reaffirmation of Debt Rescinded

To me it says you've done wrong and it is a KEY DERG. against your credit.

I also have a KD on my report.....

I know it's a key derogatory as it was a charge off(settlement for a lesser amount). My point is that my last negative should have been when it went to collection and such back in around 2000, not updating it as a recent derogatory account at that time when I disputed all of my negatives.

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