score at 709--next step? report details need critiquing

[honky]

I had a bunch of alerts this weekend and my score dropped to 644, back to 688, and has now settled at 709.  I have NO idea why, so I used up my free report. 

- have major derogs from 07/08, but wonder would it be worth trying to gw for deletion of the entire tradeline?  One of the accounts is still open, but permanently suspended...I think I should close it and try for a deletion, but not sure if it will affect my AAOA too much? They are 6 and 9 year accounts.

-I have a 90-late student loan that they did agree to remove about 10 days ago, but is still on the report--this is my only recent late.  I plan to PIF this month after recomendations in another thread to do so.  I want to wait until I see the late payment dissapear so I am still a paying customer and can bother them a little if it isnt gone!

I do realize I need to 0 the util on all but one card.  I have been PIF multiple times every month, but missed the post date this month.

Any advice and input is welcome and much appreciated.  I was looking at getting a new truck in June, but may start hunting sooner if I have little more to gain from a financing standpoint.  I have a 90-late student loan that they did agree to remove about 10 days ago, but is still on the report--this is my only recent late.  I obviously will not begin looking until this has been removed from all 3 cra.

Problem #1--You have a serious delinquency (60 days past due or greater) or a derogatory description on your credit report.

Problem #2--You have multiple accounts showing missed payments or derogatory descriptions.

Problem #3--You have not established a long revolving credit history.

Total past due [?] Credit history [?] Accounts with negative indicators [?]

No accounts past due	11 Years	2

Gecrb/Wlmt		3/2012	$85	Pays account as agreed	No
Kohls/Cap1		4/2010	$77	Pays account as agreed	No
Hsbc Bank		1/2012	$26	Pays account as agreed	No
Cap One		10/2001	$13	Pays account as agreed	No
Cap One		5/2003	$0	Pays account as agreed
Usd/Glelsi		9/2010	$1,397	Pays account as agreed
Cap One		6/2010	$0	Pays account as agreed	No
Hsbc Bank		2/2006	$0	Bad debt/collection	No
Ynkrs,Inc		8/2000	$0	Pays account as agreed	No
Hsbc/Rs		8/2000	$0	Pays account as agreed	No
Hometownbk		12/2005	$0	Pays account as agreed	No

Hsbc Bank

Aug, 2008

Status as of Date opened [?] Date of last activity [?]        

Aug, 2008

Feb, 2006

Jun, 2007

Descriptions [?]

• Consumer disputes this account information
• Account transferred or sold

Balance [?] Current Status [?]

$0	Bad debt/collection

Seven year payment history [?] 30 days late 60 days late 90+ days late

2 times (Jul 2007, Oct 2006)

2 times (Aug 2007, Nov 2006)

4 times (Dec 2007, Nov 2007, Oct 2007, Sep 2007)

 

Cap One

Jun, 2008

   

Jun, 2008

May, 2003

May, 2008

$600

   

$0	Pays account as agreed

Seven year payment history [?] 30 days late 60 days late 90+ days late

3 times (Feb 2008, Apr 2007)

3 times (Mar 2008, May 2007)

3 times (May 2008, Apr 2008, Jun 2007)