Rebuilding Your Credit

[NYCBeauty]

Hello All

Can anyone give me some advice on fixing my credit score. I made a lot of mistakes while in college. Since then I've graduated, got a state job, purchased a new car, opened two credit cards (one BoA secured, one Capital One unsecured), and I am making timely payments. However my credit score is still 495, and I know that it has to do with those old accounts. These are the negatives:

Capital One account 1:

Closed - Charge off

Showing late payments of 2-30's; 2-60's; 1-90; 1-120; 1-150

Capital One account 2:

Closed - Paid.

Showing late payments of 2-30's; 2-60's; 2-90's; 2-120s; 2-150's

Citi Card:

Closed - Paid

Showing late payments of 1-60 and 1-90

First Premiere Bank

Currently Open

Showing late payments of 1-30; 2-60's; 2-90's  all in 2010 and 2011. On time payments since then

Any suggestions? I am thinking of writing some GW letters. Does anyone have any emails or addresses that have worked? Would really appreciate all the help I can get. Thanks in advance! 

[NYCBeauty]

Anyone????

[guiness56]

Where did you get your credit score?

How old are the debts?  Are they still within suing SOL?  What is the DOFD?

All very important information needed to be given sound advice.