Aaron - any chance you know if AAFES (Army & Air Force Exchange Service) / Milstar is a part of the goverment or simply a contractor? They've got inaccurate info on my credit report, but seem to be under the impression that they're untouchable and won't fix it.

also is there a time frame for businesses to "charge-off" bed debt? I went deliquent on this account in early 2000. they took the balance from my 2002 tax return in early 2003. it's listed as a charge off as of Feb. '03, but it seems like they would have had to charge it off much earlier than that.