JUST GOING TO WAIT UNTIL MY CREDIT IS CLEAR UP I HAD SEVERAL OF THOUSAND OF COLLECTION AND CHARGE-OFF AND BIG BALANCE AND NOW ONLY 2,000 DOLLAR LEFT BEFORE ALL COLLECTION IS PAID AND CHARGE-OFF ARE PAID. SOME HAVING SHOW PAID SETTLE OR NOTHING ANY SUGGESTION ON WHAT TO DO ABOUT THIS.DO I NEED TO PREPARE ANY GOODWILL LETTER AND SOME INFORMATION IS ALSO INACCURATE. ( HIT ME BACK)