How should I fix my credit in this situation?

• best credit card to apply for
• small business credit card
• credit report scores
• triple score credit report
• accept credit card payment
• settle debt

I want to keep this as less confusing as possible, so I'm just going to get to the point.


I want to fix my credit.

I've seen my report and all it shows are the "charged-off" Cap1 accnts.

I've received letters from creditors, but none of them are visible on my report.


What's the best way to deal with this so I can fix my credit?


Should I send a PFD to those Collection Agencies? (I have not yet contacted any agencies)

Or should I contact Cap1 and pay them directly (even if the accnts have been "charged-off)?


Your help and advice is deeply appreciated,


Thanks.

How should I fix my credit in this situation?