Thanks for your response Fused. This is what I have under Understanding Your FICO Score.
What's hurting:
1. 27 accounts 60 days late or worse
2. Public Records - 1
3. Collections - 8
4. Recent Missed Payment - 1 Month
5. Number of accounts with missed payments - 27
6. Most recent public record - 4 years 6 months
7. Most recent collection - 10 months
What's helping:
1. NOTHING (LOL........Well, not really but it is better to laugh than cry).