i had terrible credit and many charge offs and a lot of debt. starting last november, i started to clean up my credit. over the past year, i have either paid off or settled all 7 charge offs and am currently paying down my last two debts which are current (this should be paid within the next 10 months so im not concerned so much)
last year i had 21k in debt, i went from 21 to 9k. my credit score, although it still bad,has gone up 60 points. now that i've paid all the charge off's and the accounts are closed what happens now?