Please help me understand my credit report

Please help me understand how this is being reported. I ordered my 3-in-1 credit report from Trans Union. It looks so differently then from when I would request a report via postal mail so I am unsure. This is a Macy’s store card which I MAY HAVE paid off…I think I did….but was in the middle of a move at the time and really can’t recall (I know, how irresponsible of me!!!)

Here it is:

[quote]DSNB MACYS

Account No.:

Condition:
Derogatory (Trans Union)
Derogatory (Experian)
Derogatory (Equifax)

Balance:
$174 (Trans Union)
$174 (Experian)
$174 (Equifax)

Type:
Charge account (Trans Union)
Charge account (Experian)
(BLANK) (Equifax)

Pay Status:
Collection/Chargeoff (Trans Union)
Collection/Chargeoff (Experian) Collection/Chargeoff (Equifax)

Two Year Payment History: *Each CR is reporting different here*
(Trans Union) BLANK

(Experian) 30 days @ March 2006; then 60, 90, 120, 150. White box @ Aug 2006 (which legend says means unknown), then CO @ Sept 2006.

(Equifax) 30 days @ March 2006; then 60, 90, 120, then 120 again, then white box @ Aug 2006 (which legend says means unknown).[/quote]Questions for the above box:

• Does the condition have to stay as "derogatory", or can I get it marked Closed (Paid) if I did indeed pay this? Or is there another term that should be used here? (Obviously I am looking for the least damaging term).
  If it's been charged off, shouldn't the balance be reported as $0?
  Two Year Payment History: Is this where I'll find the first date of deliquency? So in this case, the f.d.o.d. is March 2006?
  

Next, when I click on “more about this account, I see:
Quote:

TransUnion Experian Equifax Past Due: $174 $174 $174 High Balance: $189 Terms: Limit: $100 $100 Payment: $174 Opened: 12/01/2004 12/2004 12/2004 Reported: 09/24/2006 09/24/2006 09/2006 Responsibility: Individual Individual Individual

Questions for the above box:

• Shouldn't Past due be $0?
  

Then, finally:
[quote]Remarks:
[Trans Union] Payment after charge off/collection.
Canceled by credit grantor

[Experian] Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit
grantor.

[Equifax] Charge off - making payments.
Accounts closed by credit grantor[/quote]Questions for the above box:
The remarks just throw me off. So did I pay this, not pay this, LOL. Anyone I can have these remarks edited/removed?



So where do I begin with this one? Should I contact Macy's first? What do I say?

Or do I dispute with the credit report agencies first? And again, what do I say? Keep it simple, such as "This account is being reported inacurately. Please verify and update."

Thanks!!!!