DH had the account charged off in 2000 and paid to RMA a settlement late last year with RMA agreeing to delete their TL which they did. DH hasn't tried disputing the Sears yet and it shows on all 3 reports. His mom is willing to add both of us as AU on her stellar Sears account of 25 some years. Will that TL "bump" off the derogatory ones on reporting or will it show up as a second TL? My instinct would be that it will show up as a second TL but will outweigh the bad one while we work on deleting. Am I right? I put off working on this stuff for the past 90 days but need to get aggressive again.