I got rid of my credit cards several years ago when I lost my job and the payments got behind; I've been climbing out of the debt hole for the last few years, however, I've finished my education, gotten a better job, and am looking to finally buy my own townhome/home in the near future.  How can I clean up my credit record and payoff the last two credit cards that have since lapsed into charge off accounts?  Can I contact the original card holding companys and request an agreed settlement?  Also, I paid for my education via student loans and am wondering if it is better to leave them as is (individual loads with a consolidated payment) or should I consolidate the loans as one and make a payment on that amount.  Thanks...

Mike