Account History: 60 days as of 12-1999, 6-1999 30 days as of 6-2000, 11-1999, 9-1999, 5-1999, 11-1995, 9-1995 How would I go about getting it off my record, or having it put into the positive section. It was only a 500. limited and that limit was never increased over the 11 years so I'm thinking that it might be to my benifit to just try to get it removed completely. I know that the bank sold out to a different bank (ABF) or something like that. Would I be best off to say this is not mine or say please validate this account??? Thanks so much.......I know I have asked this before but I am new at this and want to do things right. A little cleaning up will help me get a home improvement loan.