My procedures request worked. I got a stubborn DMB chargeoff deleted, but the strangest thing is Hhld. I've been fighting with CSC for a couple of months on this. Its still reporting as 120 days past due (its not), but Hhld removed ALL the lates, and it is not showing up as a negative on the myfico report. Go figure. Anyway, my score is now up to 676. I still have one unpaid CO (Amex) on my cr, and then it will be clean. Is there any credit I should be applying for? LOL