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Credit Card Pay-off?


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Hi all, 

Love this place, ton of great information. Thank you all for all that you do. 

I’ve been working with greenpath for a little over a year now paying down some cards. All of these cards are charged off with balances. I have the money to pay them off (about 13k in total) and was wondering the best way to approach this. 

Should I work with greenpath to pay off balances and try to get the bureaus to report it as so. Or, should I go directly to the creditors and come up with a settlement? Just looking for a little extra guidance as I continue to research on here. 

Thank you!

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