I have working at improving my credit for about a year now and been able to get from 520 to 630/620/605. So what im trying to do now is fix some old stuff that are reporting negitive on my credit report.
So... I have 3 items Paid off (2 are government)
1. Military Star - Charge card that was paid off (withheld tax return of 135$), They are reporting to CBR - Status AS of 04/2004 Charged off as Bad Debt. Balance 0$
2. U.S VA - Placed for Collection (paid off CA 1041$, Balance 0$) Status of 06/2007 Collection Account
3. CBT - Placed in Collection (paid off CA 313$, Balance 0$) Status of 08/2006 Collection Account
1. Anything I can do like GW letter to ask if item can be removed from CBR?
2. Looking at credit report from myFico they dont show full account info... xxxxx123
do I request printout from CBR to get full info?
3. I read on Forum that paying most of my CC off that it will increase my score but would also opening a secured CC for like $3k increase it more?
Any information that can be provided will be very helpful and I would be very grateful. I will also be reading more threads for helpful information. First time Post. 
antsmith101 wrote:
I have working at improving my credit for about a year now and been able to get from 520 to 630/620/605. So what im trying to do now is fix some old stuff that are reporting negitive on my credit report.So... I have 3 items Paid off (2 are government)1. Military Star - Charge card that was paid off (withheld tax return of 135$), They are reporting to CBR - Status AS of 04/2004 Charged off as Bad Debt. Balance 0$2. U.S VA - Placed for Collection (paid off CA 1041$, Balance 0$) Status of 06/2007 Collection Account3. CBT - Placed in Collection (paid off CA 313$, Balance 0$) Status of 08/2006 Collection Account1. Anything I can do like GW letter to ask if item can be removed from CBR?2. Looking at credit report from myFico they dont show full account info... xxxxx123do I request printout from CBR to get full info?3. I read on Forum that paying most of my CC off that it will increase my score but would also opening a secured CC for like $3k increase it more?Any information that can be provided will be very helpful and I would be very grateful. I will also be reading more threads for helpful information. First time Post.
You can send GW letters to anyone that you paid! Your complete account # is never shown on your CR!
CC CL-UTIL counts more toward scores then any other type of loan.......COs are killers!!! If they will drop with a GW big score jump
Opening another CC (secured or not ) will raise your CL and lower your UTIL big plus! Remember never be late on a payment &keep UTIL under 10% for best scores......When paying down on CC you usually see score change at UTIL under 50% and 30%
Also keep in mind every time that you get a new CC it delutes your history.......HX is 30% of your scores A CC is concidered new for the first year.