592 and waiting please help!

[Anonymous]

I have 7 accounts that all show the first late from 11/03 to 01/04.  I also have a recent charge off for a co-signed car, which did not change my score at all.  I have 1 CC with 9000 limit and 4200 bal.  My question is should I spend my time on these 7 accounts or would paying down my CC benefit me more?  I want to get my score above 620- it is now 592.

[LIGHTNIN]

The accounts are they CO's or CA's? How recent is the CO for the auto loan?

What is the total amount of the 7 accts? do you have some or all the money to pay for these?

Paying down the CC will help your score, the more you pay it down the better your score will be.

Do you have any lates on this CC? If so, when?

Are you looking for a house loan?  If yes, how soon?

I would suggest reading the stickys at the top of the boards. Check out Credit Scoring 101 just the 1st post is ok.

Other reading info, Click on the blue tab above Education.....wonderful info there

Sorry for all the questions. OH and Welcome to the forums 

[Anonymous]

The accounts are 3 CO from old CC's , 4 CA's  2 of those from the CO and 1 paid when I found out about the bill but it had already gone to CA, the other I have disputed and to no avail-it is not paid.  THe car CO was Dec 09 but it did not change my score at all?  My one and only CC has never been late.  I am looking to get my score up to buy a new car or possible a home within the next 6 months.  The CO and 2 of the CA should be falling off in less than a year. 

THanks