Advice Please!

[mia23]

Credit Karma says I have about a 618 score.  I want to get my credit up to 750.  Currently I have about 7 accounts Charge-Off's, 3 remain unpaid.  I have a car note that I always pay on time and 3 credit cards (1 major and 2 store).  I would like to resolve the three remaining charge-off's and see if I could contact the ones I've paid to get them removed or changed to "closed" instead of "charged-off."  Help, thanks.

[guiness56]

Hi and welcome to the forums.

You know that the score from CK is not a FICO score and should not be relied on.

As for contacting the creditors and asking them to remove the account or the CO annotation, it would depend on the creditor. 

Are any of them your oldest account?  If they did remove them it would impact your AAoA also.

[chosen4th]

do not always dismiss credit karma.. its spot on with my MYfico TU score

[guiness56]

CK and FICO score everything differently.  CK does not include things that FICO does and vice versa.

If your scores are the same, IMO, it is a coincident.

OP is new and not knowing if they know there are FAKO and FICO scores, I brought it to their attention.