I have 11 accounts reported on my credit report. 8 of them are in "adverse" standing and 3 are in good standing.
They are as follows:
AMERICAN EXPRESS - Charged Off as Bad Debt (However, I'm paying them in full and will be completely paid in March '09)
CAPITAL ONE - Charged Off as Bad Debt (This will hopefully be removed off my credit report as that's what I was told when it settled)
DELL FINANCIAL - Charged Off as Bad Debt (*Note: 'Remark: >Profit and Loss Writeoff<') Haven't touched this one since they closed it.
GEM/SAMS CLUB - Charged Off as Bad Debt (They sold it to LVNV Funding which I settled the account with)
HSBC - 120 Days passed due (This was actually settled and closed)
LVNV Funding - >Payment After Charge Off/Collection< (Settled from GEM/SAMS)
WELLS FARGO AUTO - Pays as Agreed (Late Once in Sept. 07)
WELLS FARGO CREDIT - Pays as Agreed (Account was close, but setup payment plan)
What should I do to try and improve my credit? Should I try to call up the Credit Card companies with the Settled chargeoffs, i.e. I paid them off, and ask them to remove those lines from my report? Should I just try to open a secured credit card? I'm not really sure what to do? Can I call up Wells Auto and ask them to remove that late report from my record? I really need help. I make plenty of money now and if it is something I could throw money at I would, but I'm not sure what to do.
