Repair bad credit with charge offs?

[jazzzame]

How can I repair my bad credit when all my cards are on charge off status? My debts are about 3 yrs old now, and in charge off status. When I called up the companies trying to pay off these debts, they kept sending me to different depts and finally I got tired of the runaround. I really want to get my credit back in shape but don't know how to go about it. Any ideas?

[shayne54]

Try to make a settlement with the collectors that are handling these old accounts. As old as they are they have probably been sold to collection agencies by now. Work on getting a paid for delete for about 50% of the original amount. The collection agencies usually buy these bad accounts for pennies on the dollar.