im trying to clean up my reports as i was an idiot and never realized how much having a good credit score is important and how having a bad score can completely alter your life. im trying to buy my first house and my scores are too low at this time. here is the list of my baddies.
Comenity bank/ gander mountain credit card- marked as paid in full ( paid before i got introduced to the board wish i would have tried other options before just paying)
Mid America Bank and Trust - Helzburg diamonds private account charge off - $367.00 - sent PFD letter after receiveing a settlement offer. (offered to pay in full in deleted) nothing in return.
Capital One Card- this account is current and has been for over a year with on time payments and low UTI. initiallly a 300 cl.. kept hitting the love button with no luck until the first of last month in which they upgraded my account from the platinum card to the Quicksilver with a $800 cl.
30 day lates - JUL/2014, OCT/2014, APR/2015, OCT/2015
60 day lates- NOV/2014,JUN/2015,NOV/2015,DEC/2015
90 day lates- DEC/2014,JUL/2015
i know.. i know i really screwed this up 
... i did send an email to the C1 EO office for the second time after the first time telling them they would be unable to GW adjust any of them. i just got a call today from a lady in the EO and she said she couldnt promise anything but she would present it to the directors for approval so i hope and pray to the good man upstairs they make some kind of adjustment. i dont expect them to delete all of them but i think even if they deleted the 90 days it might help.
i have two collections showing.
1. Diversified Consultants which shows paid in full (was an old sprint bill)
2. Jefferson Capital systems - open for $1075.00 apparently from verizon, however JCS never sent me any kind of notification of the alleged debt. sent a DVL letter with no response. filed a complaint with BBB today. hopefully i hear something back.
ANY HELP OR ADVICE WILL BE GREATLY APPRECIATED!!!!!
THANK YOU !!