Advice on score boosting needed

[Anonymous]

Now that all my negative trades have all been paid, I'd like to start trying - somehow - to boost my scores. All three reports are not identical though.  Below is where I am at on my reports and my scores.  I would love some advice on whether (1) is my only option to wait for the bad trades to fall off, (2) should I try to apply for more credit to approve my "mix", (3) try to get a new higher limit card or CLIs, or (4) try to gw the bad ones to have them removed. 

Thanks so much for any responses!

TU myfico score: 690

EQ my fico score: 608

Ex fako score:  552

Below is the my credit summary.  My open accounts are:

Four CCs (all with a 0 balance and no lates)

   First Premier - $450 cl

   Rewardzone MC- $300 cl

   Capital One - $500 cl

   Chase Amazon - $400 cl

Student Loans (deferred till 2015)

                                             TU          EX           EQ

Total Accts:                         9              14           14

Open Accts:                        5              5              5

Closed Accts:                    4              9              9

Delinquent:                        0              0              0

Derogatory:                        2              5              6             

Public Records:                3              3              3

Inquiries (2 years):           4              6              8

[DiabolicallyRandom]

I would get to GW'ing as many of those derogatory accounts away as possible. Even if collections are paid, FICO still scores them the same. How long have you had your open accounts? I think 4 is a good number of revolving accounts. It may just be that they need to age a bit.

[Anonymous]

Thanks for your response.

I was thinking of GWing, but from what I read on here, these collections are not so easy.  They are Ford Credit, Cavalry, ACB Receivables (medical) and Payliance.  If anyone has experience with those - please share.

The age of my CCs are:

First Premiere - 4 years

Cap. One - 2 1/2 years

RZ MC - 2 1/2 years

Chase - new last month

[Anonymous]

I just mailed GW letters for 3 medical collections with ACB and one collection with payliance. I pray they work!

[Countingpennies]

You mentioned 3 PRs, what are they? That could be a biggie.

[Anonymous]

They are paid, but won't come off for some time. There is one from 2011 and 2 from early 2012.

[Anonymous]

Yeah, but what are they? Tax liens, debt judgments? In some states it might be possible to have them vacated...

[Anonymous]

Oh! They are all in NJ. All debts (one medical, one ford, and one ca).

[Anonymous]

Bump please

[Anonymous]

Look at your state statutes and see if they vacate judgments based on satisfcation.