when I got the credit card. Okay one of my charge off is for Dayton's/Target for a total of 750 dollars. It is my oldest account which I was stupid for letting it go but I did in 1996. Anyway, I opened the account when I was 17 since it shows opening date 8/88. I didn't turn 18 till that following December. Do you think this will help get rid of this charge off with them? I hope so. thanks, Melissa