I'm in the rebuilding stages and now have about 5 positive trade lines. 2 installment loans current and credit cards showing showing zero balance but 1 shows 1% balance. I have 4 charge offs. 2 different collection agencies showing same accounts on 2 different trade lines. The other CA wont PFD. They are small balances that I can pay. Why pay if they dont delete? Even if paid, potential creditors will only see the negative mark. Will most potential creditors see zero balance and think differently? Should I just maintain the positives that I have now? Scores are stuck in the 530ish range.