u/AlexSmithTop5QB

So I’ve been rebuilding my credit the past month, negotiated multiple PFDs on collections and paid off my charged off credit card accounts

However I have some personal loan accounts, which show a 0 balance and say charged off in the note.

Would negotiating with these companies provide any benefit to my score? They’re not in collections so I probably can’t PFD, and I t doesn’t affect my utilization rate and they don’t report new missed payments like a charged off CC does

Would the only benefit be for individual creditors looking at my credit profile and not to increase the score? Thank you guys for any help, much appreciated