Hello everyone. We are ready to start dealing with the issues on my husband's reports. Looking for advice before we get letter happy and mess something up. 
Current Scores:
EQ: 631
TU: 641
EX: 636
** Scores should see a bump as soon as C1 reports $0 balance on QS MC. We were not paying attention to balances on reporting dates. TG for this forum to enlighten us on that important piece of information.**
Chase
Charge offf $249
Balance $0
DoFD 8/2012
Paid charge off, Account closed by credit grantor.
Credit One
Charge Off $476
Balance $0
DoFD 1/2014
Transfer/Sold Charged Off Account
Barclay
Charge off $557
Balance $857
DoFD 3/2014
Charged Off Account. Account Closed by credit grantor.
Bank of America
Current, paid, paying as agreed
Balance $0
Closed: 4/2011
Paid: 9/2011
Last Update: 10/2012
This was a delinquent account at one time. We reached an agreement with BOA for pmt and positive report on credit bureaus.
However...still reporting as 90 days late 8-10/2009.
So how would you guys handle these items? My biggest concern is Barclay as it is still reporting a balance. The account was sold a couple different times and ended up in Barclay's lap. We never got statements and honestly, thought we had PIF.
Looking forward to your advice. Thanks in Advance!