Well, M, you already have your answer, but I will chime in. I just did our's on this site recommended 2 weeks ago. I got a report from all 3 on me but C only had 2! I thought that was strange... but I did find out that several companies/cards had dropped off already. Therefore, I had less work ahead of me then I thought I would to clean it up. Actually, we are up to date and the only reports they've gotten are all on accounts from the last 5 years. Closed (in the last 5 years on time pmts etc) and the active ones.