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  1. I'm trying to repair my credit as fast as possible-even if I have to settle and pay. I have 6 accounts, all credit cards, all have been charged off. Here are my questions: 1. The SOL does not apply and therefore it will remain on my credit for 7 years? 2. I pulled TU and EX reports but they have conflicting information when it comes to the date of last payment. Should I try to validate with CRA? 3. Will settling help my score? 4. If I wish to settle should I contact original credit or CA? 5. If I wish to settle should I validate first anyways? Sorry I have so many questions, I've read all the information in here and now I'm just overwhelmed and do not know what to do first. Its a lot of great resources... Thanks, Valerie.
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