Feeling like this is never going to get better... Very Overwhelmed

[GOLF81]

So here's the deal... During the recession a few years back I was out of work for 12 months.  Credit went to HELL in that 12 months.  For the past 24 months back on my feet no late payments but the DAMAGE has been done.  Here's where I'm at current: EQ score on 2/21 was 521 / score update on 3/12 540 / TU score on 3/3 550.

Negative TL's

Citifinancial - "Account Paid in FULL; was a CHARGE-OFF" - date of removal 11/2015

Citifinancial - "Account Paid in FULL; was a CHARGE-OFF" - date of removal 11/2016

Credit ONE Bank - "Account Paid in FULL; was a CHARGE-OFF" - date of removal 05/2018

First Premier Bank - "CHARGED-OFF" - date of removal 11/2016

First Premier Bank - "Account Paid in FULL; was a CHARGE-OFF" - date of removal 11/2016

GECRB / Hannoush - "Account Paid in FULL; was a CHARGE-OFF" - date of removal 11/2016

GECRB / Paypal - "Account Paid in FULL; was a CHARGE-OFF" - date of removal 07/2016

HSBC Bank - "Account Paid in FULL; was a CHARGE-OFF" - date of removal 01/2016

American General Finance - "CHARGED OFF" - date of removal 06/2016

Midland Funding - "IN COLLECTION" - date of removal 05/2018

Midland Funding - "IN COLLECTION" - date of removal 11/2016

National Recovery Solutions - "IN COLLECTION" - Thanks to this website I already paid them an recieved a PFD they said it should be removed in 48hrs in writing.

Positive TL's

BOA Credit Card - Never Late / CL $2800 / BAL $1300 - Date opened 02/2008

CAP 1 Secured Card - Never Late / CL $200 / BAL $0 - Date opened 01/2011

CAP 1 Credit Card - Never Late / CL $300 / BAL $0 - Date opened 11/2010

Credit Acceotance Corp (AUTO LOAN) - Never Late / pay $50 extra each month - Date opened 10/2011

Merrick Bank Card - Never Late / CL $500 / BAL $139 - Date opened 12/2012

FingerHut - Never Late / CL $400 / BAL $0  - Date opened 11/2012

I just recently last week paid off my good TL credit balances to refelct the information you see above (BOA,CAP1, CAP1, Merrick, FingerHut) so i havent seen the impact on my scores yet.  Before last week all balances were pretty much maxed out. 

I've tried PFD with Midland funding but have not heard back.  Also, what else can I do, just wait for these things to age off?  Do GW letters work for C/O?  Any and all help is appreciated.  I REALLY REALLY want to get in the mid 600's!!!!

[chevyman]

Even tho the charge offs are paid they will impact ur score harshly should have sent a PFD request

[guiness56]

Yes, you can send GW letters for the COs. 

You need to decide if you want those paid COs deleted as it could affect your AAoA.  What is your oldest one?

The CRAs only remove the derogatory comment, the CO, not the account itself.  It is up to the OC whether the delete the TL or not.

[chevyman]

Plus u have 6 positive TLs not bad but too things to consider are ur DTI and UTIL

[GOLF81]

I'm hoping I get a score increase due to the fact I've lowered my UTIL from pretty much maxed out to what you see above and also the National Recovery Collection should be deleted shortly according to the PFD.

[chevyman]

That's good

[guiness56]

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@GOLF81 wrote:

I'm hoping I get a score increase due to the fact I've lowered my UTIL from pretty much maxed out to what you see above and also the National Recovery Collection should be deleted shortly according to the PFD.

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Bringing down your utilization from maxed out to what it is now (I didn't figure it out) will help.  Letting the positive TLs you have age and keeping up good payments will also help.