Two accounts have been charged off my credit.  Is it to my advantage to pay them still?
368261
It depends on whether or not you plan on needing credit in the next several years.\n\nIf you think that you may need a car loan or a credit card, then you would probably be better of paying them.  Most companies will be willing to work with you if you are willing to pay a charged-off debt, since the fact that they have charged it off indicated that they don't expect to ever collect it.\n\nIf you don't think you will need credit anytime in the forseeable future, you could ignore it, but you probably shouldn't expect to be able to finance purchases for several years.\n\nConsidering the amount of the debts, I would suggest that you pay it if you can since you never know what may come up in the future.  But if you do, keep in mind that you have some bargaining power since they have given up on collecting the account.  Get them to agree to take ALL negative information off your credit history in exchange.  They will probably scoff at that, but if they want their money, they'll do it.
1131097
the fact is you still owe money on the credit card\nwhy not be like most other people and pay your credit card bill
925216
That’s great that you atempted to repair your credit yourself before you decided to pay someone. \n\nNow that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a “Fresh Start” they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam. \n\nStill very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn’t charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that’s fine with me, because they followed through on what they said.     \n\nSomething very important….. The bad debts that you say you owe; you need to pay them off. I don’t care if you settle them or pay them in full, eventually you need to pay them off because if you don’t, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!! \n\nOh yeah, here is the link to them http://www.expert-credit-advice.com/credit_repair_service.htm
185128
check your credit report and dispute whatever you can on it.  if credit companies cant prove you owe this amount or if the report is past 7 years, then they have to remove it.  experian is the easiest to dispute online...i wiped out 13/24 debts from my report just by challenging them online within 6 weeks!!  it'll take some time and a bit of effort, but not as hard as i thought, and definately worth it!
92232
There's no logical or legal reason to need credit instantly.  It sounds like you're in trouble.  Better to solve your problem than compound it.
729576
No, but its not very sensible as you are continuing to mount up interest charges.  Contact them and see if you can come to some arrangement which will make it easier to pay.  \nDONT IGNORE IT ANY LONGER!!!!
34012
If you have a charge off, you have to pay the debt.  That's the only way to get rid of it.  You can wait 7 yrs til it falls off your credit report, but you still owe the money, collectors will continue to call you.  A charge-off is a term used to explain a debt that is over 180 days past due.  If you wait for it to fall of your credit report, you also run the risk of them filing a judgement against you (which is on your credit report for 10 years!), or suing you for the money before the 7 years.  LOL at all the people who think that your debt disappears after 7 years.  That's just the limit as to how long it can hurt your credit.  You will always owe the money.\n\nThe other people who have responded have responded in a way as if the debt wasn't a valid debt.  If this debt is rightfully yours, a letter of dispute or any of the suggested things are useless.
1003685
There is no way  around the bad credit.   Sounds like you will have to establish  the credit again.   Good luck though.
225100
7 years. If you paid it in full. Just dispute it with all 3 credit companys and the reason for dispute is " paid in full ". You can do this online or over the phone.
715391
Go to the credit bureau in your town and they can help you.If a creditor sees that you paid the bill then it won,t be used as a write off...Alot of people are afraid of the local credit bureau but don,t be they are fair and are there to help you build your credit........everyone makes mistakes sometimes,gets in a bind and messes up,don,t dispair...You do know that after 7 years you can get bad debts removed from your credit...Also everytime someone checks your credit it scores against you,did u know that? good luck
774146
One is a debit to the account and one is a credit (deposit) to the account.
859551
If it's a dispute, Yes.\n\nIf you've been billed for something you did not buy, you can dispute it.\n\nThen, there's a small procedure to ensure you're right, but then,  you don't need to pay.\n\nHowever, if you don't have any grounds, it's a cognisable offense that you don't pay.\n\nIf you're having financial problems, the Credit Card Companies and your Bankers will be glad to help and I suggest that you take it.\n\nHave a nice day.
960694
You might call the number on the back of you card and inquire what credit amount you have remaining. It would serve you better to reduce your personal debt.
1154101
When a creditor 'writes off' or 'charges-off' a debt it is a big negative on your credit. A 'charge-off' is an accounting function where the creditor moves the non-percorming (not paying) account off of their books and they get a tax break for the bad debt. \n\nThe negative of the charge-off will sit on your credit reports for 7-1/2 years from the date of first delinquency that immediately precedes placement for collection and/or charge-off. \n\nYour scores are going to take a serious nose-dive.\n\n**edit*** \nNO DEBT can stay on your credit reports for 10 years !! That is just WRONG information.
1141308
you can not pay them but they will be sent to collections and they will be harrassing you\nalso you will ruin your credit rating
215063
If you will still have those two negative items on your credit report, even if they are paid in full, contact all 3 credit bureaus immediately about those 2 negative accounts.  Tell them that those are the specific accounts that you are disputing and tell them that those accounts are wrong, that they are now paid in full.  \n\nMake sure to include information on the accounts such as the account numbers and the name of the company.  The three credit bureaus will have to investigate and they will find that you did in fact pay the accounts and they will change that on your credit report to showing that they are now paid in full.\n\nWhatever you do, do NOT bother contacting the accounts that you paid in full and asking them to report to the credit bureaus that you paid them.  They will just jerk you around and say "oh well, it says in our records that we did report it" when in fact they don't.  They got your money and they don't give a crap about the rest to take the time to report to the credit bureaus that you paid them.  So you will have to contact the credit bureaus yourself and let them know that it is incorrect.\n\nIf you don't know, the three credit bureaus are Equifax, TransUnion, and Experian.  The phone number to TransUnion is 800-916-8800, Experian is 888-397-3742, and Equifax is 800-270-3435.  It probably won't be enough to call them to dispute the information, but you can call and ask for their mailing address.  Then you will need to type up a letter to each credit bureau to tell them you are disputing the errors on your credit report.\n\nTo save you some time getting screwed around by the credit bureaus, I recommend you include with your dispute letter a copy of your driver's license, a copy of your social security card, and proof of your current residency such as a copy of your current utility bills with your name on it.\n\nSorry if it sounded like I ever repeated myself, but I am just trying to save you some hastle in the long run.  Because if you don't include all of those things along with the dispute letter right away, the credit bureaus will just screw you around and keep sending you letters requesting more information and it will just take a longer process and you keep having to repeat the information you already sent to them.\n\nIf you haven't guessed, I have gone through this already.  lol  But the upside of this is, the sooner you get this done, the better, and if you have any credit cards or other accounts, just keep them up and try to keep as low of a balance as you can and keep paying.  Your credit score will improve sometimes within 6 months or so.
1017151
Call your bank and explain the situation.  If you used your debit card, they can close it and open you another one with a different number.  If you gave them your actual account number, ask your bank to freeze and/or close that account and make you another one.  Time is a factor, so do it right away to prevent any unauthorized charges!