I just wanted to post an update. I held out another month and called Alltran on 4/30 and told them I literally had $771.12 (a randon number I made up ) to give them. They took it as a settlement. I then sent a goodwill letter to Credit One the original creditor (thanks to these forum members for a contact) and poured my heart out to them. To my shock Credit One responded they would delete the entire tradeline ! Poof - its gone. Since I was on a roll I tried the same with LVNV - and got no response. I know the bleeding will stop as it begins to age since LVNV is no longer reporting it as a charge off every month, but I will still want it gone. Guess I just wanted to say thank you to the members here for their knowledge and support. I have such a long way to go but due to some recent life changes I shortly will have an opportunity to pay off all my debt and start to rebuild.
