I've been rebuilding my credit history since December of last year. Negative accounts would be a CAPONE charge off on Experian only for $789, $283 Verizon collection $300 University of Phoenix charge off and $615 collection for credit union checking account. In positive news In my wallet I have a $1400 Barclays rewards opened 12/2013, $200 secured card with Capone opened in Feb 2011, FST Premier $300 limit opened 09/2013, CreditOne Bank $400 opened 02/2014 quickSilver One rewards $1000 limit opened this month and $2300 Apple Barclays opened this month. Is it worth to get rid of the negative collections and charge offs all scheduled to fall of 12/2015. I also recently opened an auto loan in 04/2014 through my credit union with and my goal is to eventually get my foot in the door with American Express. Any advice would help! Thanks!