Has anyone had luck with PFD for C/O?

i have two unpaid charge offs that are pretty recent. I was wondering if anyone has been able to get them deleted? If so, did you have to pay the entire balance? 

I'm not sure. I'm brand new to this. I have a Chase CC that was Charged Off but it still lists as late with a balance of $10k. I also have a Wells Fargo CC charged off saying late with a balance of $4k.  Im trying to get these deleted but I currently only have $3k to payoff my debts. Any advice? 

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