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Allworlone

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I have a accounts on my credit report that have charfe off. How to i remove them or Do i have to pay

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Top Contributor
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If they were "charged off"

They are no longer collectable.

 They do stay on your report for 7 years, just like all other accounts as part of your credit history. That is what credit scores are based on, your credit behavior over the last 7 years. 

Good luck 

Top Contributor
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1465 People Helped

Charge offs are pretty much impossible to get removed. If they are old accounts you might be best to let them age off due to the seven year rule (federal loans don't apply to the seven year rule). If they are recent charge offs, you might consider paying them if you are able to pay them in full. The reason that you might consider paying them is to prevent further damage. Usually once an account is charged off it is sold to a debt collection company and then a collection pops up on your reports in addition to the charge off, so then you get double dinged. The best thing that you can do for yourself at this point is to start reading all that you can about the subject.

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