I worked in collection for over 20 years, the only way you can fix your credit is to pay off all those charge off and I know that won't be easy on social security and remember this when you pay your electric or telephone bill or cable that goes on your credit report, maybe you can call a consumer credit council and how that works is they take your total income and divide it up in low payments to each creditor after your house bills are paid, for example, if your house payments or rent, your electric telephone is the most important bills that come first, now say if you have 500 dollars left over, small amounts would be paid to each creditor and most times they can lower or eliminate interest the process is a 2 to 5 year plan depending on how much debt you owe .Good luck.
