Intern w/ egregious credit

Incoming IB SA. Starting background check soon. Incredibly worried about getting rescinded.

Ran into a rough financial patch in college and have ~$11.6k in total credit card debt.

1 charge-off (~$6.5k)

4 cards 30–90 days late (~$4.8k total)

2 small collections/charge-offs (~$300 total)

If I pay off the two small ones and get the charge-off + all 4 cards onto active hardship/payment plans before the check runs, will I clear HireRight/Sterling fine? Or is this still at risk of getting rescinded?

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