HSBC is on my credit report as a write off: How do I Get it Removed

HSBC is on my credit report as a write off: How do I Get it Removed

I had an account through HSBC and they wrote it off.  Another lender, C. CACH bought the account took me to court, and they settled for $4,664.  I am still paying this company and they will settle if I pay 80%.  Which I plan on with my income tax.  This has pretty much shot my credit.  HSBC is on my credit report as a write off and C. CACH will be on my report until 2013.  Can I do anything once I pay off this lender to help my credit or do I have to just let time fix the problem.  If you can, please help.

——————
I would dispute the c and hsbc and hope
you have let the other go to far with a settled settlement
The best thing is to pay them  as fast as possible and get some good
credit going and keep some new credit open
———————-
Dispute it how?  By saying the account has been closed or wrote off?  What should I say in order to win or to have a chance.  If you have an idea please let me know
——————-
Just say it aint yours
then
pray a little
———-
www.oskie.com/credit-dispute.htm