I need help...

[nainna1980]

In 2004 I checked my credit and it was in the very poor category, I decided to get on the ball with my credit, since tham I have not been late on any of my credit cards, and i even took a loan with my credit union to help tings a little.I also got alot of the information corrected in there. now 2008 and i checked it again, it has improved but it can be better. These two accounts below show in all 3 agencies. is there anything i can do about them, would a GW letter od the nutcase letter help with any of these? I'm new to the forum and I've been just reading for the last week... hope you guys can shed some light.

Thanks

This is what my credit record looks like tight now: 

TR660

EQ663

EX676

  2 negative accounts

Primus Financial Services

Open                           Apr 1999

Last activity               Jan 2002

Acc type                      Automobile

Largest past balance 10,394

Terms                         60 monthly

Acc holder                  Joint acc

Sch amount                 $239

Balance                       $6,626

Status                          Charged off

Past due amount         $0

Description                 Profit and loss writeoff 

                        Capital One Bank

 Open                           Apr 1998

Last activity               Nov, 2002

Date paid out              Nov, 2002

Date Closed               Apr, 2003

Acc type                      Credit Card

Largest past balance 289

Credit Type                Revolving Acct

Acc holder                  Individual Acct

Balance                       $0

Status                          Payment after Charged off/Collection

Past due amount         $0

Description                 Profit and loss  

[nainna1980]

Bump...Please

[marty56]

I am not an expert but I dont think there is anything you can do about the charge offs.  They will fall off your CR in 7 years i think.  To improve your credit scores, you need to pay down your outstanding credit card balances to under 10% of their credit limit.

If you need to get new credit, check out www.whogavemecredit.com to see what cards are available to you with your scores.  please also post more information about the accounts since there are a lot of smart people here who could help you better then I can.

Aways pay on time.  Never be late. Never.

[sunrise]

nainna....Try to GW your negatives!!  And, keep at it!!  You may not get a positive response right away, maybe eventually someone will feel sorry for you and delete them.

Your scores are heading in the right direction!!  Keep on paying those cc's down to less than 10% util!

You can also read up on "how to play the cc game" (do a search on it, here in the forums) it may help a little also!!

Best of luck!