Should I go through a company like American Consumer Credit Counseling to fix my credit, or am I better off doing a self-administered repayment plan? I have 10 accounts in collections, 4 of which are marked as charge offs. One of these I paid recently not knowing about the pay for delete agreement, is there any way to get that off my credit now, or am I stuck with it there? Is a good way to start just to write debt validations to all creditors? All of this debt is from 2005, so it is all pretty old.