After thinking about this and reading some more I agree that these charge offs need to be paid. I have the cash on hand to pay them and I just want to get this over with. How should I go about negotiating the pay offs? Obviously I want to "settle" but have them report that I have paid the account in full. Can the CA that Cap 1 has contracted remove the "charge off" status from my report? Keep in mind that this CA does NOT report on my account, ONLY Cap 1 reports. Moreover, with regard to my chase account. The CA that debt was sold to does report, but does not report monthly. Can they remove all trade lines from their reporting if I pay in full?