Here is where I stand: Public Record. $3200. Old apartment. 5/09 $700. Medical. 1/08 Collections $1004 BCC Financial Medical. 4/13 $116 Receivables Managment Medical. 1/13 $410. PMAB medical. 11/13 $969 PMAB medical. 4/13 $372 PMAB. Medical. 11/11 $489 Horizons. Medical. 1/14 Charge Offs $535. 1st Premier. 8/08 $305. Global Payment 8/09 $0 Kays Jewelers. 10/09. Acct sold. Has some lates. Is anyone familiar if they goodwill/advice? Accounts in good standing $300. 1st premier. Balance not at 10% $300 Capital One Balance not at 10% $300 Credit One balance showing 10% $7450. DT credit. 2 30 day lates. 3/13 and 10/12 should I try to goodwill? Just traded in car this week. New car loan thru Santandernot showing yet $0 aarons account closed good standings $0. Credit Acceptance account closed good standings My score watch 586 Any and all recommendations welcomed