[theoneuafter]

I am wating for one secured card to arrive and will be geting another one following that using the 30-35% rule I read about here.

I would argue that if there is no balance due, nor a past due amount, then it could not be a charge off. Was this account really an installment loan?

Good point there I will try that.

Dispute 3 and 4 as duplicates.

Those I disputed online already, I think I should have waited to do so but, live and learn.

Since this is an Equifax report, are these two tradelines in the Collections section of your report?

Yes they are.

You dispute this as failing to report completeand accurate information. List each individual data field that is missing information.

I was wondering if that mattered or not. Hmmm

Thanks for the reply. I know good credit will not come overnight, just want to start the process =)

Thanks for your input! More is certainly welcome!