Some of you have probably read about my battle with First USA. They deleted the TL from all three CRAs. I am happy about that. It was a charge off for $2700. Now, they have put a new account on my EX report. It shows that I have had an account with them since 98 and I have a 6K limit with 0 balance. It is showing one 30 day late. It shot my score up about 35 points. Should I just let the account stay on there even though it isn't mine?