I really need Advice. Really. Please Help

[Anonymous]

What should i do?  Need to get things back together. PLease help FICO is 616. I want to get on a morgage with my husband soon to be

Accounts

Company	Account number	Date opened	Balance	Status	Negative Indicator? [?]
Gemb/Jcp	Not Reported	12/1995	$0	Pays account as agreed	No	Details
Us Dept Ed	XXXXXX4941	5/2008	$67,935	Pays account as agreed		Details
Sallie Mae	XXXXXXXXXXX0003	3/1999	$0	Pays account as agreed		Details
Sallie Mae	XXXXXXXXXXX0002	3/1999	$0	Pays account as agreed		Details
Sallie Mae	XXXXXXXXXXX0001	12/1997	$0	Pays account as agreed		Details
Pnc Bank	XXXXXXX4944	7/2001	$0	Pays account as agreed	No	Details
Afsa/Brazo	XXXXXXX4943	7/2001	$20,393	Bad debt/collection		Details
Cap One	Not Reported	9/2002	$922	Bad debt/collection		Details
Afni-Bloom	Not Reported	12/2008	$91	120+ days past due		Details
Afni-Bloom	Not Reported	Not on Record	$79	120+ days past due		Details
Afni-Bloom	Not Reported	12/2008	$62	120+ days past due		Details
Aes/Pheaa	XXXXXXXX4009	Not on Record	$0	120+ days past due		Details
Aes/Pheaa	XXXXXXXX4008	Not on Record	$0	120+ days past due		Details
Aes/Pheaa	XXXXXXXX4007	Not on Record	$0	120+ days past due		Details
Aes/Pheaa	XXXXXXXX4006	Not on Record	$0	120+ days past due		Details
Aes/Pheaa	XXXXXXXX4005	Not on Record	$0	120+ days past due		Details
Aes/Pheaa	XXXXXXXX4004	Not on Record	$0	120+ days past due		Details
Aes/Pheaa	XXXXXXXX4003	Not on Record	$0	120+ days past due		Details
Aes/Pheaa	XXXXXXXX4002	Not on Record	$0	120+ days past due		Details
Aes/Pheaa	XXXXXXXX4001	Not on Record	$0	120+ days past due		Details
Chase	Not Reported	9/2002	$0	Bad debt/collection		Details
Cap One	Not Reported	9/2002	$0	Pays account as agreed	No	Details
Hsbc Bank	Not Reported	8/2001	$0	Pays account as agreed		Details
Brazos	XXXXXXX4943	10/1999	$0	Pays account as agreed	No	Details
Slfc	XXXXXXX4942	12/1997	$0	Too new to rate	No	Details
Eqtbl Gas	Not Reported	11/1999	$0	Pays account as agreed	No	Details
Aes/Pnc	XXXXXXX4941	9/1993	$0	Pays account as agreed	No	Details
Cap One	Not Reported	5/2000	$0	Pays account as agreed	No	Details

[MarineVietVet]

Locking this thread to direct posters to a duplicate thread at http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/REALLY-NEED-HELP-PLEASE/td-p/772654.