i have only 3650 in charge off debt on my credit file. 2 cc accounts and 1 lease account. cc accounts are scheduled to fall off in 1.5 yrs. lease account will hang aroung till 2012. i want to make these accounts appear better on my cf. should i settle, consolidate, try debt management, or someother program? i want to finally get debt free this month..or maybe next month..any help would be great..if this a duplicate post, i appoligize..