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
Closed - Paid
Showing late payments of 1-60 and 1-90
First Premiere Bank
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!