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I need some advice with 3 charge offs that are due to age off in approx 10 months. Let me first explain that my goal is to get my scores up so I can apply for a conventional mortgage. Currently I am at 600 and need to be at a min of 620. For the past year I have been working hard to repair my credit. I hired an attorney who helped me get 4 judgments vacated; 2 of the judgments were paid in full and the other 2 he arranged payment plans. I also paid off a few collections and hired a credit repair agency to delete any remaining neg marks. During this period I had an auto loan that I was behind on but caught up with and payed off. In addition to that I open two secured cc to help establish new credit history. Here is my situation with the charge offs. Capital one charge off for 5700, SOL has passed and I have no intentions of settling. Scheduled to age off 7/2015. Capital One charge off for 5300, this was one of the judgments vacated and I have a payment plan for 3000. This is also scheduled to age off 7/2015. Target/ TD Bank charge off for 3300, this was also one of the judgments that I had vacated and I'm currently paying off a 2200 payment plan. Age off 8/2015. I had the credit repair company challenge all three of these accounts with no success. My question is should I payoff the two with payments plans? Will this improve my score? Or just wait until all three age off? All three of these accounts are over extending my credit limits and it's hurting my score. Thanks. Ken