Account status

When an account is charged off, it means that you have not been paying them off in time and the file is past due. It reaches the charged off state, maybe after 180 days after your first missed payment. This can hurt your credit negatively and the info will be put in your credit report for seven years. If your file hasn't reached that far, you can pay the minimum amount and keep it current. Then, negotiate with the companies for some payment plan.

Thanks. I wasn't sure if I could still try and pay these off.