Hi! I have poor credit and am looking at being able to pay off a couple of my credit cards that have a very bad history (MANY 90 day lates etc.) Is there any way that I can negotiate to get some of them reomoved when I pay the accounts off? Or should I just pay them off and then wait the 7 years to straighten my scores out? One of them is with MBNA and another with Capitol One. Actually there is 2 with Capitol One. One is a settlement / Charge Off? Is there any way to get that one fixed? Thanks!
