I'm now in the process of getting a mortgage, and my broker told me the lender needed a letter from Amex showing that the two entries for Amex on my credit report (one for sign & travel, one for the charge portion) was really one account. So yesterday, I called the Amex credit reporting department to get the letter. As soon as I gave the woman the account number, she asked if I would like the entry reomved from my reports(!). I said, well, that would be nice, but what I really need is this letter stating blah blah blah, and I need it quick for my mortgage. Well, she not only faxed the letter to my mortgage broker within 5 mins of my call, BUT she also included in the letter that Amex was deleting the accounts from my CRA reports and she told me that I would be receiving a letter to that effect as well. Wow!! So, for anyone out there that has and old, but fully paid off, Amex charge off -- it might be worth a call to see if they'd remove it for you.