Yea see CK for some reason isn't counting them as derogatory accounts, but since they were charged off as i suspected, then what I would do is pay in full (if you can and/or want to rebuild relationships with these lenders), or settle for less and then start GW letters. As Medic mentioned, it'll be tough, but there ARE some recent success stories on here. Just keep trying.
To add a datapoint, I also had an old collections account (0 balance) that was on my report, on one page of Credit Karma it shows "0 derogatory" but when you went to view the actual report it was there. It was only showing on EQ but tanking my EQ, I disputed it becasue the dates were wrong, it was showing a date of 2016 as the last update when I paid it in 2014 of DOFD was in June 2013 ( 7 years ago). They agreed and deleted it, EQ's website shows it gone.
My point is, you can't trust CK. You will need to do like others and work to get those charge offs paid off and then maybe get lucky with a Goodwill removal or wait the 7 years for them to drop off.
