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Help understanding credit report please


lordon
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I just viewed my cr and found that it is not showing any collections on file no judgments --- I have 2 discover account's listed as charge offs.

One of these accts is with zwicker and associates and the other was recently sold to mann bracken, so where do you think i am at this point? These accounts are aprox. aproaching 1 year old with no payment.. Do you think that zwicker is acting on discovers behalf and i may still be able to talk to the oc and work out payment with them? What do you suggest i do about the mann bracken acct. they just took over this account this month, i did send a validation letter. I am just asking for your best advice I have been reading and reading till my brain is numb. I would appreciate any ideas on where to go from here.

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