R5 is worse - sounds like a recent 120+ late. It's all here: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=52436&highlight=R9+R5
From what I've read, a paid chargeoff is no better than an unpaid and can sometimes move your dola forward. If you want to pay a chargeoff it's best to get a delete for payment in writing. I do think however if a person looks over your report, that a paid chargeoff would have to look better.
