[mcc]

Hello. I've been reading for about two weeks now trying to figure out my best course of action.

Just in the last year I had 3 charged off accounts put on my credit report. I still have my mortgage and 1 credit card in good standing. I lost my job and just wasn't able to pay. Unfortunately, I made the huge mistake of not calling my creditors and trying to work out something with them before this happened.

I have pulled all 3 credit reports. I am trying to understand them. There are a couple of things I am not sure about so I will dispute them with the CRA's. I have one medical bill for $10 that I wasn't even aware of so I am just going to send a PFD letter for that - will medicals usually agree to a PFD?

My main concern is the three charge off's. I will have the money to pay them in about 30 - 45 days. Would my best course of action be to just issue them PFD's without doing DV's and disputing with the CRA's?? The three accounts were with Citibank, Macy's and Old Navy. And if I were to get them to agree to a PFD would that improve my score since I still have my mortgage and one card in good standing. Those are the only bad things on my credit and I have a long history of good credit, payments, etc.