HEY EVERYBODY!! I've been reading fico forums for years, but this my 1st time actually posting anything. I've been handling mine and my husband's credit as best as I could, and now that we have most of his debts paid off (except for one), I need help trying to fix it!!! I will of course be typing up plenty GW's, but here's what my husband's report looks like, the key derogatory's at least, this doesnt include the 30-150 day late marks on other accts!!!:

Account Name: APPLIED BANK  Account Number: XXXXXXX  Acct Type: Credit Card - Revolving Terms  Acct Status: Closed  Monthly Payment:   Date Open: 8/1/2000  Balance: $576.00  Terms: Revolving  High Balance:   Limit: $800.00  Past Due: $576.00  Payment Status: Charge-off 

Account Name: ARROW FINANCIAL SERVIC  Account Number: XXXXXXX  Acct Type: Collection Department / Agency / Attorney  Acct Status: Closed  Monthly Payment:   Date Open: 9/1/2007  Balance: $2,534.00  Terms: 1 Month  High Balance:   Limit:   Past Due: $2,534.00  Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department  Comments:

Account Name: ASSET ACCEPTANCE LLC  Account Number: 3392XXXX  Acct Type: Unknown - Credit Extension, Review, Or Collection  Acct Status: Closed  Monthly Payment:   Date Open: 8/1/2007  Balance:   Terms: 1 Month  High Balance:   Limit:   Past Due:   Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default  Comments:  

Account Name: CAP ONE  Account Number: 52911517XXXX  Acct Type: Credit Card - Revolving Terms  Acct Status: Closed  Monthly Payment:   Date Open: 8/1/2000  Balance:   Terms: Revolving  High Balance:   Limit: $700.00  Past Due:   Payment Status: Legally paid in full for less than the full balance  Comments: Election of remedy - reported by subscriber

Account Name: CITI AUTO  Account Number: 219172XXXX  Acct Type: Auto Loan  Acct Status: Closed  Monthly Payment:   Date Open: 1/1/2004  Balance:   Terms: 60 Months  High Balance:   Limit:   Past Due:   Payment Status: Legally paid in full for less than the full balance  Comments: Election of remedy - reported by subscriber
 

Account Name: GEMB/DILLARDS  Account Number: 604587021823XXXX  Acct Type: Revolving Charge Account  Acct Status: Closed  Monthly Payment:   Date Open: 1/1/1998  Balance:   Terms: Revolving  High Balance:   Limit: $0.00  Past Due:   Payment Status: Legally paid in full for less than the full balance  Comments: Election of remedy - reported by subscriber
 

Account Name: PROFESSIONAL DEBT  Account Number: 3156XXXX  Acct Type: Collection Department / Agency / Attorney  Acct Status: Closed  Monthly Payment:   Date Open: 5/1/2006  Balance: $344.00  Terms: 1 Month  High Balance:   Limit:   Past Due: $344.00  Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department  Comments: Account in dispute-reported by subscriber
 

Account Name: TNB - TARGET  Account Number: 50273XXXX  Acct Type: Revolving Charge Account  Acct Status: Closed  Monthly Payment:   Date Open: 11/1/1995  Balance: $594.00  Terms: Revolving  High Balance:   Limit: $0.00  Past Due: $594.00  Payment Status: Charge-off  Comments: Credit line closed-grantor request-reported by subscriber

Account Name: WASH MUTUAL/PROVIDIAN  Account Number: 260045XXXX  Acct Type: Credit Card - Revolving Terms  Acct Status: Closed  Monthly Payment:   Date Open: 7/1/2000  Balance:   Terms: Revolving  High Balance:   Limit: $1,850.00  Past Due:   Payment Status: Account transferred to another office  Comments: Transferred to another lender or claim purchased
 

HAS ANYONE DEALT WITH ANY OF THESE CA'S BEFORE? I KNOW TARGET, SEARS, AND DILLARDS WERE BOUGHT BY CA'S ALSO.....ALL HELP WOULD BE GREATLY APPRECIATED!!!!