Credit Report Help Needed

Super,

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[quote=super2324us]Hello I need some help on what I can do. I filed Bankruptcy in Feb 97. While in the hearing a Sears rep was there. I resigned to pay them a portion of my debt. Well I was paying them for a while and one day they called me on the phone and told me if I make 3 regular monthly payments they would bring my account current and I could charge again. I did just that paid 3 months and they refused to let me use my credit card again even though they told me I could. Anyway I never paid them since and I got my credit report. It says that my account was a charge off. So I read on Equifax's website that bad reports older than 7 years old should be removed. Well on my credit report it says "Date of last activity 7/1998" then it says "date maj del 1st rptd 5/2004" which I have no idea what all those abbreviations stand for plus I did not do anything with the account in 5/2004. So can I have this removed or should it have been already off my credit report? Also I know that when you apply for a credit card it shows up on your credit report. But how long does it stay on there? I applied for a Best Buy credit card in 2002 and it is still on my credit report. What are my options for fixing these items and how do I go about having them fixed? Thanks so much![/quote]