I have been paying monthly on two chargeoffs for the last 18 months or so and they are reporting as failed to pay on my CR. I settled on 3 other chargeoffs about a year ago, which are no longer reporting as "failed to pay" on my CR. My question is, should I just settle and payoff the two remaining CA since they are still reporting this as FTP? I would rather keep paying monthly for a little longer as we are saving for a down payment on a new home. On the other hand, by not paying in full or settling out the account keeping my score's from going up as much as we would like.
Thanks!
