Now for my questions, does a paid charge off help any? Will your score be just as bad with a paid one as an unpaid? Is it easier to get them deleted when they are paid? I have been keeping track of my scores, but recently took a major hit when my husbands and my scores dropped to in the mid 520's. I need a plan of attack, I will have $6000 in Feb to put down on a house and need the best way to do this. We both just got FNBM (I know, I know, but there are no other options) and a CCB. I know I should not open any new accounts. Please help me to decide the best way to do this, I don't have much time. Thanks.