Ok, I had a regular sears card, oldest acct '88 with a 30 late 7/99 that acct was upgraded to Mastercard, shows the same 30 late now I just reactivated the MC acct I didn't realize was still open and they had to change the acct # as they sent the new card to wrong address. the new acct # shows the same 30 late! looks like I have 3 sears accts, each with one 30 late. I will try goodwill, but how bad does this look in the meantime? EQ just "verified" all my lates are correct. I just applied for the Citi/Mypoints Platinum Select, hope this doesn't screw me, I neeeeed to BT my Chase balance.