Well the negatives that are less than a year are the ones really hurting your scores. I have 3 CO's still on my report two are over six years old and one is over five years old with a balance still. My util is at 3%. I still have two FICO scores just over 700.

The collections that are over six years old you could always dispute, however if they are unpaid you may wake a sleeping dog. Could you give us an idea on what collections you have? Some of these collections agenices will do Pay for Delete letters.