Help me out please. I have two credit cards through two differnet companies on my credit report. Both say "charged off." First I want to know how to negotiate with them to settle for a lower amount, but I want them to remove the negative wording of "charged off" from my report, so it doesn't look so awful. (will this help my fico go back up?) Secondly, I have several collection agencies listed on my credit report. Four to be exact that they sold the account o, but now they have it again. They never got in touch with me, if they even contacted me at all, about my debt. They all say the opened date and closed date, which are all within a three month period of one another and say closed. How do I make them go away? I mean can I? They never contacted me directly. No mail/no phone! And they do make my credit look worse right. They are closed but the screw with it right? Help me fix it.Please!
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