Question about BOA secured card and several others regarding credit repair

[Anonymous]

Hello all

I am new to the forum and am trying to repair my credit.

My scores:

Equifax 720 Experian 646 Transunion 625

I had opened a BOA secured CC with $1000 deposit in 8/2010

9/5/12 they closed the card and marked it as stolen and opened a new account for me. I never reported it stolen and when I asked them about this they said something happened internally and they had to close account. Will this have a negative impact on my score since they are showing 2 accounts on my report?

Secondly I have been trying to improve my score with little success for the last 3 years:

3 Bureau Credit Report	December 10, 2012	720	646	625
3 Bureau Credit Report	October 1, 2012	682	663	625
3 Bureau Credit Report	July 1, 2012	712	630	650
3 Bureau Credit Report	April 1, 2012	707	634	650
3 Bureau Credit Report	January 26, 2012	637	620	576
3 Bureau Credit Report	January 1, 2012	637	620	576

Prior to that between 580-640

I got approved for mortgage from local bank in amount of $100,000 in July 2012 @ $550 a month

Capital one secured card with $600 limit  5/2011

Capital one unsecured card with $600 limit 7/2012

BOA secured card $1000 limit 08/2010

All paid on time

My baddies:

Charged off car $5,406 07/2007

Charged of CC $989 07/2007

Both will slide off in 2014

Have sent out 5 pay in full for deletes and keep getting turned down

I have now been using Lexington Law for last 2 months without results.

What more can I do to rapidly improve my personal credit?

Is paying off these charge offs going to help improve my score or cause more damage?

I have a very successful business and make over 200 K a year and spend on company debit cards around $800,000 annually, having a good business credit card would help me to continue to build it any other ideas to rapidly improve my score?

Thanks in advance

[HiLine]

Odd. Sounds like BofA closed your secured card right about the time your card would graduate. Maybe it's a system error and what actually happened was the normal procedure for unsecuring a secured card. Did you get your deposit back?

To quickly improve your credit profile, you should increase your total available credit by obtaining more, prime cards. Crap 1 likely won't give you any credit limit increase. I think you'd have a good chance at a Discover or Chase card. I mentioned these two creditors since they often pull Equifax. Have you figured out your FICO scores yet? 

[Anonymous]

I did not figure out my FICO yet.

I never got back the deposit and it is still a secured card. When I was supposed to graduate I applied for unsecured and they turned me down..

Discover turned me down in June 2012 and so did Chase same time, any ideas?