Congrats! Have you tried getting the paid charged off accounts and collections removed? With some work it's possible and you will see big jumps in your scores 
@Anonymous wrote:Congrats! Have you tried getting the paid charged off accounts and collections removed? With some work it's possible and you will see big jumps in your scores
Two of the CapOne accounts are showing $0 now, and one CapOne that was sent to portfolio (that I paid before it got reported) has been removed from my reports. I have a past due account with Merrick that will be PIF the 25th of this month. Midland is still showing a balance though I paid them last month... My secured card has started reporting to the credit agencies now too.
I do have to laugh though. I'm already seeing some little jumps on myFICO.com scores while CK has dropped 25ish points on EQ and TU is showing "no score."
@Anonymous wrote:I would wait, let the cards mature atleast 6 months...possibly with the chance they switch them to unsecured cards. If you can wait it out, wait it out for as long as possible so that way you have time to let your scores get higher.
@Make sure you pay on time or early, keep UTI @ 10% or below
@Anonymous's what I figured I would be told 
Patience is not a virtue of mine, but is something I will work on. I planned on keeping my UTI @741051% or lower anyways, but wanted to show CapOne that I can use the card and that essentially the limits given are not enough. If that makes sense.
I'm waiting on one more account to show paid and zero out as it is currently counting towards my UTI on two reports. Not counting the demon company Midland. They've been sitting on my money since Feb. 25th. 
and they refuse to change anything until "60-90 days" and they keep trying to say it's the credit reporting agencies that are in charge of what gets reported and when it changes. Um No. That's not how this works.