Hello I'm not sure how to phrase my question but here goes. I have several charge offs for small credit card accounts on my credit report. I also have other debt that I have to pay such as prosper, cash call etc. My questions is is the damage done with the charge offs? should I pay the other debt first? Does it truely benefit my credit to pay these charge offs, will my credit go up? I am working hard to work on debt (with Dave Ramseys help) but each buck is hard to come by and I want to pay to debt to the right place. Most of the chare offs were JUST charged off like dec 07/jan 08
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