Thanks for your reply.  The account status is closed.  It was closed in 2008 and the balance is $0.  It says charge-off.  I cannot even remember having this account and I have disputed several times with the CRA's.  I don't think I can offer a PFD because they say they don't own the account any longer and the balance shows as $0.  I would offer them money if that would help.

Thanks

Bryan