Starting a family now and trying to fix my mistakes and credit. I'm wondering why on credit karma it shows multiple accounts were closed/charged off as bad debt or a "profit loss" when I actually paid the debts off? Then there is also another "charged off and closed" but yet they're still sending me notice in the mail to pay it. If they're putting on my credit report it's a loss and are closing it, why would I agree to make arrangements to pay? I'm very confused about this. Please don't be rude if you have any info/advice. Thank you! 😣