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I have several older "charged off" credit cards,should I work a payoff deal or leave sitting?
Most of the balance due is fees & interest added on to the original balance, to the point that current balance is 2+ times the original amount charged/credit limit. Should I try to negotiate payoof "deal" with collection agency? Or let them age to 7 years? one is close to 7 years old.. Will I see a dramatic change in credit score if these were settled for lesser amounts?

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