I am at my wits end with these losers. With my lovely dial-up service I can't search for my old post on it but basically I have two chargeoffs - they won't pfd or anything. they won't even let me pay the full amount so it shows paid in full instead of settled for less than. so ive been thinking about restrictive endorsement. do you think it would work with crap 1 if i paid in full with complete disclosure on both the check and in writing? of course i'd be looking for them to delete. i've done this with CA's but never an OC. any advice or opinions?