What do I do about charge offs on credit report?

Question

I am in a position to pay some or all of my debt off. I have about $5500 of bad/charged off debt. I could have cash in hand to pay about $2000 in a couple of weeks (I should add that I have several creditors adding up to $5500 so the $2000 would have to be divided out.) There are a couple of accounts listed as open/active and I plan to pay those first. What I am confused about is the ones that weren't apparently "sold" to anyone as it says "profit and loss write off" as opposed to "bought by other lender" in the remarks section on my credit report. I paid off a couple of things (settled really) last year and they now show as "Payment after chargeoff/collection" and I've heard that it's really no better than one you didn't pay credit score/lending wise. That doesn't seem fair LOL My ? is if it is already charged off and not bought out then will it help my credit history to pay? And how much should I expect to pay them on that type of thing?

Answer 1

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