This is my first post so please bare with me. First of all let me say this is an excellent board and everyone seems so friendly and was hoping I could pick some of your brains. Here is my situatiuon I had 4 creditcards from MBNA, DISCOVER, CITIBANK, and Providian which were eventually chargedoff. I know I can have the CAs try to verify the debt, which they probably wont and they will have to delete the tradelines.(hopefully) My question is how do i handle the original creditor? Since they have SOLD my account to the CA, how can i get them to delete the negative tradeline on my creditreport. Thanks very much.