I HAVE A FEW NEGATIVE ON MY CREDIT REPORTS I HAVE PAY ABOUT 4,000 DOLLAR OUT OF 6,000 WORTH OF NEGATIVE ITEM ONLY HAVE ABOUT 2,000 LEFT HOW DO I GET MY BALANCE BROUGHT TO ZERO AND NEGATIVE AND CHARGE-OFF TAKEN CARE OF BECAUSE THE COLLECTION COMPANY IS NOT REPORTING ACCOUNT SETTLE IN FULL OR NOTHING ANY SUGGESTION.