I have a charge off from them back in 2009 that should come off next year anyways, but the collection agency they sold it to or whatever sent me a release letter saying I am no longer obligated to pay them and they removed their mark from all my credit reports. I was going to try and get a good will delete from Credit One since its a charge off and hurting my score Any one with experience with this that could help I would be very grateful. Thank you! :-)