As a first step, I suggest, both for your own benefit in plotting a course of action and for getting advice on how to proceed, that you put together a simple list showing the pertinent credit reporting dates.
For each account that has either been charged-off or referred for collection, you need the date of first delinquency on the OC account.
That DOFD controls how long it may remain in your CR. Look back and find the most recent chain of account delinquencies that preceded either a charge-off or collection, then find the date of first delinquency in that chain. DOFD resets each time you bring a delinquent account back into good-standing.
That DOFD will tell you, even if you have no success in getting earlier CR deletion, when it will die of its own old-age, regardless of whether paid or unpaid. In most instances, depending upon your state SOL statute, it will also set the date of running of your statute of limitations, giving you an idea of whether the creditor can pursue legal action for its recovery.
