currently right now, I have so many 'write offs/bad debts/charge offs'on my credit report, it ain't even funny. which has been another nightmare in itself. But after looking over my report, I noticed that the truck loan that I paid off last summer with no problems...was reported as 'was a chargeoff/paid'. All three of credit agencies has it that it was a paid charge off. NEWS TO ME!!!!!!!!! :evil: I NEVER missed a payment. I was late a few times and called and talked to them, they said everything was fine but never missed a payment. now they've reported it as a charge off???