First let me thank you all for the information that I have read on the boards. So, my situation is as follows. I am in the military and I am trying to get a security clearance however, I have to clean up my credit before I will be approved for it. I have 3 charge-offs, 1 voluntary repo that my mother caused for me while I was in Japan and 1 collection account. The amounts on the accounts are $23.00, $955.00, and $7,608 with $4,280 past due on that last one. There is also a collection account with bell south that was started While I was stationed in Japan (by whom I don't know) in the amount of 600.00 and 601.00 posted twice. My dillema is that the SOL is expired on all these accounts but the military wants to see some kind of activity to pay these or they want to not see them on my report at all. My concern is if I start to pay these is that going to ruin the crappy credit that I do have? The accounts are listed as closed in my reports so I don't know how to go about repairing them or paying them since they are listed as closed. I welcome any and all help and/or advice you all could give me and I thank you in advance.