I only wish I had found this site before July. On July 31, 2003 I paid off 14m in credit card and collection accounts. So I am stuck with lates, Genus Credit and two charge offs. But I made a big mistake. I pulled my credit reports and mailed checks to all that I owed money to. After all checks were mailed, I noticed that Citi Bank had the same account number and same amount due as Sherman Acquisition. I called Citi Bank to tell them that a mistake had been made. Of course I did not receive any help. Citi Bank cashed the check August 1st. I called Sherman Acq and faxed a copy of the cashed check front and back. Long story short (How do I get Citi Bank to move this money)???. Sherman Acq shows my account late. Also Citi Bank shows on my credit report as: Below information is after I sent letters to all credit bureas for a reinvestigaion on accounts below. Current status: Charge Off Balance $3502. Past due $586 Sherman shows: Collection/Charge off Past Due Balance: $2492. Condition: Derogatory Help Please!! Thanks so much!!