Hi everyone..... One of my old ghosts came back to bite me today. A $400 car rental bill that I THOUGHT the dealer was supposed to pay showed up on my CR. HOWEVER, it showed up only on TU but not as a collection account but as a CHARGE account that was closed with a balance. How bad will this hurt me? I plan on paying it within the month but I'm not sure how bad this one hurts since it is showing as a charge account closed with balance. Will it just go away once the balance is gone? Am I looking at a 20-40 point drop on this? Tom