Ok, after college I had a bad habit of making late payments. I have recent paid charge-offs/collections as stated on the cr. I have paid all debt and only have school loan/car loan debt, NO CCs! I have old information on my report (from 2001 to 1993). So I now what? How should I go about improving my score? How do I get these things off of my report? Do I just need to go line by line with the "form" letter to the bureaus? What else do I do now? I found a house to buy and my score is 543! I have no debt to pay down. I think I just need to get the negatives that aren't fixed by ontime payments off the report! HEEELLLLPPP! I'd need to purchase in the next 3 months!