I have been meaning to post this for a couple weeks so I will say sorry for the delay now. I was talking with a friend of mine at work and he told me a story about a car loan that he had gotten from the credit union that we both belong to. Well he had went in to see about a loan for the car and she pulled his credit report and there was a Dillards charge-off on there. He said that he was just stupid and didnt pay them off. She calls them up right then and there and says who she has and that she wants it off his credit report and how much would she have to cut them a check for to get it gone. The actual amount was 450 but they said 360. She added it onto the loan and sent it him to get his car. Dont know if this will help anybody but if you know anyone in that line of work you might be asking them. Casper72
