Thats what I'm doing now, is paying on my charge offs, trying to get them paid off. Its coming along, slowly but surely. But as Bryan pointed out, its better to have a 'paid' charge off than just a 'charge off'. (unless you're close to the end of the seven years and its about to be taken off anyways). A 'paid' charge off is still bad but it at least shows that you were responsible and did the right thing in paying off your debt. Shirley