I had a Citibank Bank charge-off deleted last week. Just checked my CE score and it looks like the charge-off is worth 33 pts. In the last two weeks my score has been a yo-yo. The new Target Visa account added a few points and the high debt from X-Mas shopping has minus a few points. The charge-off deletion is huge. Brings my CE score to 652, with the big bk-13 as my biggest block. Best regards, Mirage