[metalranger33]

So i browsed through you beginners section and found out a lot of great information, but i still have some questions. I pulled my report and here are my questions, but first im 24 and got into some trouble with credit cards when i was younger (try 21-22). So basically I have a car that i have 10 payments left on, and its never been late. One active Capital One credit card which is current, 2 charged off credit cards, and 3 charged off checking accounts. Im just trying to be responsible and take care of everything but i dont know where to start..
1st. Under personal profile i have different address's and employers for each of the three cra's. Do i call them to get it removed or write a letter?
2nd. I have a lot of credit inquiries that are not mine but others that are, and i know they stay on for two years but how do I get those off.
3rd. Under my account history where a chunk of my problem is....Me and my Dad have the same name separated by Jr (which is me) So i see items on there which are mine like charged off checking and two credit cards, but I see to American Express cards that I have never had. Something from GTE thats unpaid from 1993 (mind you im 24) and a few others things I dont recall. What am i supposed to do with those to get them off mine and onto my dads.
4th. And last....What route do i take on paying off those two credit cards that our mine. Do i pay in full, neg. a lower balance...I read paying in full is the best, but i dont have all that money up front....