I need some guidance on where to go next. I plan to purchase a home in September, and this entry is really damaging. Should I: 1) Begin my own round of certified dispute letters to all CRA and Amex? 2) Let Junum keep working at it . 3) Call Amex directly and nicely ask for it to be reduced to "Paid" from "Paid Charge-off"? 4) Threaten a lawsuit, like la Lizard? I welcome any and all feedback here.