I just got off the phone with Citi's reconsideration (recon) department (sorry, USMC here), and the lady was extraordinarily pleasant AND helpful. Here's what she told me: Collections and/or charge-offs need to reflect a paid status. If they are "unpaid", then they cannot over ride them, but "paid" collections and/or chargeofs can be overridden. I've still got one left to pay (small amount, $208), so I'll deal with that, let my credit build somewhat, and perhaps apply next year around this time. A. J.