Alright, after months of working on this I’m down to only 2 baddies. Both are 4 years old. One is Wells Fargo charge off of $ 124 for an old credit line I had with them. The other is a $ 1600 account with Ashley furniture that was also charged off. I’m thinking of trying for a pfd on the Wells Fargo. The other account I’m less sure about. Should I set up a payment plan? Or would it be better to wait until I have more funds available and try to pay in full for a pfd. I’m in the middle of trying for a mortgage and trying to get my score up another few points ASAP.