I currently have a charged-off account with Household Bank Card that I paid with settlement in October 2002. I was wondering if I anyone has ever used a GW letter on a charged-off account with HSBC? I have written a goodwill letter to them but I have not received a response and nothing has changed on my credit report. This account doesn't fall off for another two years and I am trying to get approved for a business loan. My scores have come up so much in the past six week....almost 100 points but I could use so much more. Please help!