<prompt> Human: I work on 100 commission, and 2016 was an absolutely terrible year for me where I ended up racking up a decent chunk of credit card debt. I finally have some money to pay off the remainder. There was more debt back in December...4,500 with TD and 1,700 with Wells which we settled and charged off for 60 of the value on both at that point I was 5 months late on them.Now I have 1,800 left with Capital One, and about the same with Synchrony Bank. For the last year and a half no purchases have been made on either one, its just been interest charges and late fees when I couldnt afford the minimum payment.I am only 2 months late on my Capital One and have the ability to pay it off in full now...is there any chance of getting a bigger balance reduction than a standard waive 2 late fees?At this point 50 of the balance of both is just fees and I would hope a phonecall of I want to pay this off in full would have some power behind it.Also my goal is to at the end of this year to buy a house. I will be using a credit repair company in a few months after the charge offs from December age a bit more, but I want to also not be dumb and not totally kill my chances of getting a mortgage by creating more charge offs.Any advice would be great  <response>: You are not going to be able to buy a house with chargeoffs as recent as within 2 years. The chargeoffs you have already are going to remove any hope of that.Chargeoffs hurt your FICO scores for a full 7 years -- reducing your FICO score to 500s at best until you start rebuilding good credit again. 2 years after you start rebuilding credit, with the chargeoffs present, you can probably get to 650 FICO score and get a mortgage at that point.No creditor will negotiate on debt that isnt charged off yet. They still can hope to collect the full amount, and more chargeoffs isnt going to make your credit report worse because after 2 chargeoffs, the new ones dont lower your score anymore. Youre already at the worse place possible, so your BEST BET is to pay off the current cards to keep them open which will help you build good credit later.If you can keep those accounts open by paying them off, DO SO. 