Thanks now, in my situation, the house I want costs 220K. I have one card which I'm making payment on. I've never been late since I own this card but I've had a tons of collections in the past. My last late payment occurred 4 years ago. In my credit report only 2 collections are showing outstanding. 

Brighthouse $312

Medical $368

both were assigned in 2008, do you think I should pay these two and forget about the rest.?

EX: 590

TU: 592

EQ: 631

One more thing, if i keep paying my only card and keep the balance as low as possible do you think in 4 months my credit score will reach 620 on EX and TU?