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If should pay off a lump sum negotiate niche down. If you can pay off one creditor a amount of what are obligated to pay make without it is registered as 'full and final settlement' and will not affect your future credit score. Once you settle the agreed amount they need to mark credit score file how the debt has been repaid and the debt is 'satisfied'. It certainly can't remove the historical past of difficulty but anyone looking will see that you have settled the account on the satisfaction of your creditor. You should get all offers confirmed in making before acting on them. Any letter that you write must-have 'without prejudice' written others in terms of the message.
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Write something about yourself. No need to be fancy, just an overview.