Credit Advice

If they are charged off, you don't really need to pay them. Are collections people chasing you? 

if they are charged off, then the credit card company has already written off your accounts as bad debt.. any money you pay now, will go to the debt collectors that bought the debt from the original creditor, and not the original debt. save your money and wait the 7 yrs. the damage is already done.

 i have one from a bill that is 5 plus yrs old and i did not pay the bill because they could not prove the work was done that was charged.. in 2011 that one comes off of my report, and my score is 700 plus dispite that old bill, do not pay it unless you want to restart the sol again leave it alone..

 Do not....I repeat..DO NOT start repaying them. I started paying a debt 5 years after it was charged off because it showed up on my credit report and I wanted it off. If I wouldn't of paid anything it would of been only 2 more years and it would of been off my record. But since i started paying, the debt stayed on my record ANOTHER 7 years after it was paid off! It was a slap in the face as I thought I was doing the right thing by paying it off, I made payments to the credit collectors for 2 years to pay it off (IN FULL by the way, cause it was the right thing to do). So this bad record stayed on my account for 14 years! Do not start paying, sad to say but you will be penalized for it if you do.