I could jump to the freaking moon I’m so excited right now. I’m guessing my goodwill letter to CACH LLC paid off because I checked CCT this morning and it is gone! It was a for an old cap1 account for $ 970 from 2010 that they bought in 2015 so it looked like a recent bad debt and was really bringing my scores down. Thank you all so much everyone on these forums. I would have never known how to do stuff like this. You guys are the best.