HELP... Please
Here's the long and short of it all... I am trying very very hard to get my credit scores UP!
Here they are
11/30/07 EQ 477, EX 593, TU 531
Today's EQ 510, EX 583, TU 564
My long term goal is to be finally responsible for myself, my credit scores, and in the long run make a better life for my kids. My kids are deserving of so much. I want to own a little house and all the things in life that need good credit to get. I've promised my daughter some day sooner than later we'd buy a house and she can pick out her very own little girl stuff for it. 
I have a chapter 7 BK in 2003. I got divorced then and prior to my divorce and BK I had great credit. Now I see I have several charged off accounts that are truely charge offs and one was sold to Portfolio recovery affil. for an HSBC acct. I know I haven't recievd anything from this company.
I paid a Cap 1 card off /settlement long before I knew about PFD. Dang it.
I had a balance owing from an old checking acct with my CU and I have contacted them, paid it off for 136.00 less and it is still showing. I am sending them a letter for both GW and asking them to delete it.
I have a medical collection on all 3 reports in the amount of 342.00. Should I just pay it off or should I DV it???
I see where a collection agency is showing a balance of 133.00 for a cable company. It was at 363.00 and I paid it down and only owe that much... problem is I paid the cable company directly not the collection agency. Can they still report this as a collection if I paid the cable company and just have to bring the last payment by their office next week??
I have several collections that were paid in full in 2004, I have GW'd the collection agency asking/begging them to remove them... I hope it works.
Anything else I should or could do?? Any feedback would be great. Oh an by the way, you guys are soooo smart. I'm glad I came across this site.
I did sign up for scorewatch because I learned that they are real FICO scores, thanks to this forum.
