thanks qmeister, but i fixed the problem already.
the transfer is bascially a powder, and after applying it, i just painted it over with acrylic paint. no problems at all. the transfer may seem like a solid piece, but its not. it's really very fine particles that are held together loosely.
the model's been sprayed over now NEway with gloss to smooth over the water transfers, so i couldn't do anything about it if i wanted to. i checked it this morning and it looks fine, so i think everythings gonna be alright. thanks agian tho...
BTW- the transfers were from woodland scenics, and i was using them for ID's on my tank.
archer fine transfers is probably the leader in armor dry transfers right now. you should check them out online at a hobby dealer.