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Hi Guys, I've been working on my credit and so far Transunion has been the best at deleting items the fastest. I just received a letter from Calvary portfolio offeing a settlement because they legally can not sue me anymore. My account was orginally with BOA and the balance is about $850 DOFF: 11/2009 I know that this account is the reason i was denied credit with Barclays ( receive the denial yesterday) and would really like to have it removed. Any thoughts? Need more info? By the way Calvary was sold the account back in 2012. If this is removed i will have 3 new medical bills left (which I am desperatley fighting with my insurance agency) FICO TU 634