I have a record in my credit history that shows a delinquency from 4/2005 that was paid off but was also marked as a "charge off." As of January 2011, this record no longer shows up in my file for Equifax or Trans Union, but it is still being reported at Experian.
Is there any good way to ask the creditor or Experian to stop reporting the record?
Why is it only showing up at Experian at this point?
Is this at the discretion of the credit bureau or creditor?