Starting Score: TU - 580 (7/22/11) ..... EQ: 561 (7/22/11)
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I am looking to rebuild my credit, and have a few charge-offs and collections. I currently have one car loan open, never been late and will be a year since i've had it, as well as a credit line from R2G, and school loans which are all being paid on time. I tried applying to secured credit card at Capital One and was denied, and also lowered my credit score to 501 -14 points 
I keep hearing about PFD, GW, etc. I just need to be guided in the right direction to clean my CR! Where should I start??
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