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todays video were talking about how to remove paid or settle charge offs and youre going to discover the best option for your credit scores. So by the end of this video, you should know whether you should remove the account and if so, the best way to do that, and this is how were doing this, were breaking it down into account analysis, account determination and account plan of attack. And we are, of course, starting with account analysis. And its really, really simple, leave it or delete it, and then we do have some notes. So the accounts that you want to leave are going to make up a large percentage of your credit history, normally much older than your positive or recent accounts older than 24 months. And or it doesnt show that you waited like six years to pay or settle that account. Now, the ones that you want to delete, normally make up a small percentage of your history, normally less than 24 months old, but doesnt mean that they have to be, or it shows that you were like 1