There are XXXX collections on my credit report and a number of charge offs. I 'm fully aware of my lack of responsibility when I was younger. I 'd originally consolidated my debt through a company that is no longer in business due to bankruptcy " XXXX '' and I was unaware of their bankruptcy until I was harassed by debt collectors which in every right they did have the right right to do so because I was fully aware of my debts. However, I was trying to be responsible in consolidating all debts and paying back as much as I could. Now let 's fast forward almost seven years later since my initial irresponsible I did manage to pay some of the debt in full and or settled for a specified amount. As it feels great to have this behind me grant I am not proud of what I did in getting into debt I 've learned so much from this mistake that now at my age where I have clarity and know what I want out of life I 've managed to establish responsibility as an adult. However, now that I am taking my credit worthiness seriously I managed to run my own credit report through Experian to determine where I am at credit wise? I 'm very glad I did because within the report I noticed all my old irresponsible debt still haunting me and looking at the age of these accounts I did some research and noticed that creditors or credit collectors should of stopped negatively reporting on these accounts if they were settled. XXXX of my accounts from XXXX XXXX show " Collections '' however, I settled with a credit collector for the same accounts and that creditor shows " Charge-off '' On my XXXX report there is a discrepancy for a XXXX XXXX XXXX account where the account status shows " Open '' but on my transunion report it shows status as " Closed '' which is accurate because the specified amount was paid in full. Now I am not looking for an easy way out of my past its just that I want to move forward with my life and be able to purchase a home some time in the near future and I want to do whatever is necessary to get my concerns with my credit report addressed. I know this is my initial step in the right direction in getting my credit score back up even if its by a few points I want to know what are my options at this point in time? We all make mistakes and I 've learned from them in many ways.