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confused about charge off


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I'm kind of confused about something and was hoping someone can clear it up for me. I have some accounts that are from back in 2008. They are listed on my credit report by the original creditor, but also as a charge off with a balance. How do I fix this? What should I do?

We are trying to improve our scores so we can get a mortgage and I've talked to a couple mortgage guys that tell me as long as there is an outstanding balance and they are not zeroed out I will have a hard time getting financing.

If its charged off, am i correct in assuming the creditor won't talk to me about this account?

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