Charged off - Reporting as open?

[Taylor92]

Good day everyone. I'm new to these forums and i'm in the process of qualifying for a home with my brother. (He's my lender).

We ran my scenario and there are 3 items i need to take care of, 1 of which i have already paid in full. 

I have 2 cards (Cap 1 and Merrick Bank) that were charged off in 2021. MyFico still shows them as Charged-off but open? Also factoring in to my CC utilization. Both of these cards when I contacted the original creditors, transferred me to a collection agency. Neither of these two agency's are on my credit report. 

Suggestions? How do I settle with the original creditor? Or should I take a leap of faith and settle with the collection agency's they transferred me to over the phone. 

Fico Scores:

Equifax - 604

Experian - 602

TU - 612

[FireMedic1]

Welcome @Taylor92 

If they led you to the CA's to settle or PIF. It will have to be done for the lender to approve. No past debts can be lingering. Good luck on your new home. Since they have balances. They are still active.