Six months ago I demanded validation from Dillards for a charge off from 1997. They sent me a letter saying they could not validate and promptly removed from the 3 CRA, it is still out there with a CA since I still get a collection letter now and then. The strange part is a couple of weeks ago I get a call saying I was pre-approved for a credit card from Dillards, since no hard inquirey was pulled I say OK. It came today with a cl of $2000. Dillards must be hard up for business but no complaints here.