This is great news! Now, the only thing left is that dreaded tow bill for $1200. I'll wait and see what Junum can do on the second round. If that doesn't pan out, then I'll pay the original creditor in exchange for complete removal! I am extremely excited....I am finally on my way to AAA credit (whatever that is!). I wonder how these changes will effect my credit score? With that, 6 paid chargeoffs and 1 settled for less than full amount, my score was STILL 605!!!!!! Thanks guys for all your support!