Please help

[Anonymous]

Hello here are the negative items on my report:

Negative Items

Comenity Bank/New York and Company--charge off acct from New York and Company $800.00

Macy's--charge off account $1100.00

Collections

Advanced Recovery (Third Party)--Medical Paid

American Agency (Third party)--Medical Unpaid

Franklin Collections--(Third Party)--unpaid medical

Bay Area Credit--(third party)--paid medical

Hollis Cobbs and associate (third party)--unpaid medical

Medical Data(third party)--paid medical

franklin collections (third party)unpaid medical

Good accounts

Capital One $561.00/$750.00 limit

Captial one  $296.00/$500.00 limit

Bankplus--one 30 day late but account showing paid as agreed.  I owe $277.00 out of $500.00 now

Mississippi FCU--good standing $537.00/$750.00 limit

Sallie Mae--6 accounts all in deferment

US Dept of Education--11 accounts all in deferment

Statewide FCU--$988.00

Judgment

Tower loan--$561.00 showing satisfied

Tower loan--$1700.00 showing satified

What can i do to raise my score 80 points quickly!!  I spoke to the company that gave me the judgments and they informed me that they will not vacate.  What else could i do to raise my score.  I need to buy a car very soon.  My fico score for equifax is 522 and transunion 568.  i have had a car loan before in which i paid off in 2010 with only one 30 day late.  please let me know what i need to do.

thanks,

[Anonymous]

Ohh my income is about 45000.00 a year.

[StartingOver10]

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@Anonymous wrote:

Ohh my income is about 45000.00 a year.

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Can you pay down your utilization on your cc's? You have high balances in relation to your cr limit, if you pay to zero all of your outstanding debt except for one that is less than 9% of the cr line, then you should get a big bump in your score. Then go to the rebuilding section and work on each one of the baddie's with pfd's and GW's. The medical is especially easy to pfd. You might even want to do the pfd's for each collection before you pay down your existing cc's. The good thing is most of your collections are medical. Good luck.