The fact thst the accounts have been closed does not remove the unpaid balance from continuing to be included in the scoring of your % util,which is what you are seeing.
Paying will remove the accounts from all scoring under % util, including both their balances and credit limit.
Your new % util will thus have both a reduced overall credit limit and balance.
That covers the scoring under the utlilization of credit category.
Since the accounts are delinquent, whatever derogs have been reported are affecting the highest weighted scoring category, which is your payment history.
Paying the debts wll not remove those derogs from their continued effects on your payment history scoring unless you get the derogs deleted.
The normal procedure at this point is to offer to pay the debt in exchange for their agreement to delete the payment hisotyr derogs.
You will then obtain both satisfaction of the debt, removal of the debt balance from scoring under % util, and removl of the derogs from your payment history scoring.
