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yes , you need to build your credit. the charge offs will stay on your credit score for 10 years or more and you will never get a loan. or improve your credit, pay them off. continue paying your bills on time,save money.go to your bank and get a secured credit card,best way to build your credit back up.

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Q: Will making a payment arrangement or paying off 15 old charge-offs be worth it if you want to finance a car or buy a car in another two years?
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