Second set of eyes- what’s left?

[Anonymous]

Hello Friends,
I’ve had a good amount of accounts removed in the last 60 days, balances updated, payment history updated and I’m still pretty low on the totem pole. Could I get a second set of eyes to determine if there is any action that I could take that I am missing please?

3% utilization
All revolving credit will be showing as paid next update($227)
Student loans paid
No mortgage
Auto loan is at $4500 in good standing
1 collection left (Midland is the devil) and disputed with a 609
3 hard inquiries this year

Currently disputing a “charge off” shows as closed $870

88% on time payments- all goodwill letters denied

No judgements, foreclosures, bankruptcies, or repos

Credit history is 13 years

Average FICO is 582
Average Vantage is 641

[Anonymous]

1. Make sure to not pay all cards to $0 -- practice the AZEO Method (see my signature link)
2. Goodwill saturation method should commence today.  http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-o... -- I had to send 1200+ letters, emails and faxes to clear my report using goodwill.  Took 7 months but got even 150D lates removed on open credit cards!
3. Collections are a pain, did you try to contact the OC about it?  Is it credit card collection or utility bill?
4. Don't sweat the inquiries, they count as 0 after 12 months of aging.
5. What are the original balances on your loans and the current balances?
6. How many credit cards do you have total (open)?

[gdtobefree]

Who did you send your goodwill letters to?
Send them directly to the CEO, don't mess with regular people some if them don't have the authority to honor goodwill letters.