by brizzle born and bred
Question by SaraSparklez: Please help with my bad credit. =(?
My score is 522, I put a mini sample of my report at the bottom of the page from experian. I have not paid on any of my accounts in about 5 years and all delinquent accounts fall off in 2010. (accounts were in good standing prior for about 2 years) Most past due accounts are written as 'charge offs' and I don't know if it will help my credit to pay them or if its not worth it if they drop off anyways. The
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