I have 2 Citibank Accounts, 1 CB Mastercard and a CB Visa. The CB Mastercard was charged off in 1996 or 1997. The Citibank Visa account was closed by Citibank with lots of late payments and I paid it off this year! Both were opened in 93-94. I would like to get the Charged Off Citibank Mastercard off of my credit report. What does everyone think my chances of getting it removed are? I haven't challenged it with the credit bureau's yet. I am thinking that since I had 2 accounts, and it's citibank we're dealing with, it might be very difficult to remove. Which card would you challenge first and how would you go about it if you were me? Thanks!!!