Removing a charge-off from a credit report

I have two charged-off credit cards. I made payments on them for years and got absolutely nowhere so I just up and quit paying last year. I have six kids, and we have to eat! Anyhoo, I will be coming into a bit of an inheritance later this year, and I am wondering if it would be worthwhile to contact the original creditors (not the collection agencies) and negotiate a deal at this late date and have the charge-offs removed. Does anyone know if this is even possible?

I honestly do not think that they will remove them from your credit report. My question is when did they charge them off? Also did they try and sue you and are the collection agencies still contacting you? It is possible make sure you know the original creditors address and phone number and your original account number with the account you would like to pay off! Then ask them how long it would take to have it removed from your credit report. Make sure you keep in touch with them every month and make copy of what you send to them for your records. I have some files i can post on here so you won’t have to figure out what to write. The files have prewritten agreements and checkup letters and some other ones that came in handy to me!! I have done this many times to pay off past debt and still do it till this day!!

I am finding that these companies are hurting so badly for cash that nothing is totally out of the question so I’d give it a try. Discover made us an awesome deal…dropped our interest rate, matching our payments for 5 months, brought our acct. current with the credit agencies…… give it a shot… the worst that could happen is a no.

I’m in the process of trying to clean up my credit report. I have a few charge offs. I wouild like to get any information on how I should approach this matter. (hotbabel21) if you still have your files could you post them . Thanks in advance to all.