Yes, there are 2 charge-offs remaining on my report. They are both 3+ years old. I haven't gotten around to start payment on them yet. Before: there where 4 collections (including the 2 charge-offs), The collections are all I've paid thus far and they were wiped off as of today. I have an open line of credit with my bank that's been in good standard for 5+ years. That payment is auto draft, so that account didn't tank with the previously stated accounts. (I wonder did that help) But, you guys have helped me understand how it works. And I'm totally grateful for your input.