Open Accounts Mortgage - Pays as agreed - Last late payment October 2013 Closed Accounts (ordered from oldest to newest) Springleaf Financial Services - Charge Off - DOFD 7/08 - Balance $1774 (falls off 7/15) Mortgage - Pays 31-60 days late - DOFD 7/09 (falls off 7/16) *This is the same lender as the open mortgage above, Wells Fargo. The closed account shows transfer/sold. Not sure why the mortgage would be reporting twice? Both accounts have the same opened date of 1/08. Chase - Charge Off - DOFD 12/09 - Balance $924 (falls off 12/16) Southern Credit Adjusters - Collection Account (medical) - DOFD 6/10 - Balance $186 (falls off 6/17) Capital One - Charge Off - DOFD 8/10 - Balance $1287 (falls off 8/17) Best Buy (Capital One) - Charge Off - DOFD 9/10 - Balance $778 (falls off 9/17) HSBC - Charge Off - DOFD 12/10 - Balance $242 (falls off 12/17) Portfolio Recovery - Collection Account - DOFD 12/10 - Balance $486 (falls off 12/17) *I have no idea what debt Portfolio is trying to recover and why it appears twice on the report. Old Navy - Charge Off - DOFD 1/11 - Balance $155 (falls off 1/18) Portfolio Recovery - Collection Account - DOFD 1/11 - Balance $496 (falls off 1/18) *I have no idea what debt Portfolio is trying to recover and why it appears twice on the report. 867YA10D Recovery Company - Collection Account (AT&T) - DOFD 3/11 - Balance $134 (falls off 3/18) AFNI, Inc - Collection Account (AT&T) - DOFD 4/13 - Balance $312 (falls off 4/20) Soooo...as far as I understand from reading the forums here, it really does no good to pay the charge-offs, especially the ones that are outside the SOL. I'm okay with this process taking some time (a couple years or more). I didn't get in this mess overnight, I can't fix it overnight. I'm thinking my strategy will be to ride out most of the debts until they fall off the report over the next two to three years. In the meantime, since my credit has appeared to rebounded some, I'm thinking of getting a secured credit card (or two) to have open tradelines with good payment history. I've read in other posts to utilize roughly 10% of the limit and pay it off every month...is this a good strategy? Should I consider applying for a standard credit card based on my score, instead of secured? I'm totally open to suggestions and strategies! Also, I just received a collection notice from Credence for the newest debt (AT&T) with an offer of "full and final settlement" for $125. I'm assuming AFNI sold the debt to Credence, who has not reported negatively on my CR...yet. Since this and the other AT&T debt are the newest and will impact me the longest, should I consider paying them? Should I attempt to talk with AT&T (the OC) directly to negotiate the debt and having it removed from my report (however it's their CA's who made the negative reports, not the OC). In the payment remittance, it doesn't say anything about the settlement offer, just the balance due and a place to fill in the amount paid...this concerns me as it looks like I could be on the hook for the rest of the debt. Sorry for the long post! Advice? Bueller?