can you review this and help with credit issues?

[Anonymous]

hi;

I'm curious if someone could review the information below, and inform me as to what you would do about going about bringing my credit score up. I have applied and received an account at crown jewelers, made my first buy, $208.00 and payed $61.00 down on it. I want to build my score, as you can see it is rather low, and don't want to pay anyone to do it for me anymore. I was paying doctorcreditusa.com to help with credit, however, i figured i could spend $99 a month on something to directly help my credit. This is all just a bit overwhelming to me, and I'm not even sure what some stuff is (on the posting where we review information, i'll put --personal notes-- in there)

note: Please let me know if you can not read the format of the below information, I am blind so can not see how in fact it is "formatting" this information.

thanks a lot

note: credit report obtained from the site:

creditchecktotal.com

Monthly Score Tracker and Risk Level:

Your Experian Credit Score of 512 represents a high risk for most lenders 

[Anonymous]

Well, I'm going to post all sections in different posts, so i hope this is easier for you all to read.My Credit Summary Percentage of credit currently available 0%Satisfactory accounts 12Now delinquent/derogatory accounts 0Was delinquent/derogatory accounts 3Public records 0Number of inquiries 21

[Anonymous]

 5/26/2009 
This section gives you a broad look at your current and past credit status. Here you'll find the total number of open and closed accounts in your name, the total balance on those accounts, and delinquencies. EXPERIANEQUIFAXTRANSUNION   REAL ESTATE ACCOUNTS:  Count 0 0 0Balance $0.00 $0.00 $0.00Current 0 0 0Delinquent 0 0 0Other 0 0 0REVOLVING ACCOUNTS:  Count 1 2 1Balance $0.00 $0.00 $0.00Current 0 1 0Delinquent 0 0 0Other 1 0 0INSTALLMENT ACCOUNTS:  Count 10 6 7Balance $22,617.00 $15,346.00 $21,846.00Current 5 6 5Delinquent 0 0 0Other 3 0 2OTHER ACCOUNTS:  Count 0 1 1Balance $0.00 $725.00 $0.00Current 0 0 1Delinquent 0 1 0Other 0 0 0COLLECTION ACCOUNTS:  Count 4 3 5Balance $2,742.00 $2,601.00 $5,086.00Current 0 0 0Delinquent 0 0 0Other 0 0 0TOTAL ACCOUNTS:  Count 15 12 14Balance $25,359.00 $18,672.00 $26,932.00Current 5 7 6Delinquent 0 1 0Other 4 0 2ACCOUNTS SUMMARY:  Open Accounts: 4 0 9Closed Accounts: 11 0 5Public Records: 0 0 0Inquiries: 21 2 20

[Anonymous]

 Public RecordsThe information in this section comes from federal district bankruptcy records, state and county court records, tax liens and monetary judgments, and in some states, overdue child support records. Public records remain on your credit report for 7-10 years.There are 0 public record items on your report.

[Anonymous]

This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely. ST LOUIS UNI  EXPERIAN
EQUIFAX
TRANSUNION   Account Name: ACS/US BANK U S BANK ST LOUIS UNI Account Number: 543252XXXX 54325216XXXX 543252XXXX Acct Type: Education Loan Installment Installment account Acct Status: Open Open Monthly Payment:  Date Open: 8/1/2008 8/1/2008 8/15/2008 Balance: $6,500.00 $0.00 $6,500.00 Terms: Unknown  High Balance: $1,000.00 $6,500.00 Limit:  Past Due: $0.00 Payment Status: Current Pays account as agreed Paid or paying as agreed Comments: Student loan - payment deferred   ACCOUNT TRANSFERRED OR SOLDSTUDENT LOAN  Payment deferred

[Anonymous]

 AES/SUNTRUST  EXPERIAN
EQUIFAX
TRANSUNION   
Account Name: AES/SUNTRUST BANK SUNTRUST BANK AES/SUNTRUST 
Account Number: 2547331758PA0XXXX 2547331758PA0XXXX 2547331758PA0XXXX 
Acct Type: Education Loan Installment Installment account 
Acct Status: Open Open 
Monthly Payment: $99.00  
Date Open: 6/1/2007 6/1/2007 6/27/2007 
Balance: $7,000.00 $7,000.00 $7,000.00 
Terms: Unknown  
High Balance: $7,000.00 $7,000.00 
Limit:  
Past Due: $0.00 $0.00 
Payment Status: Current, was past due 60 days Pays account as agreed Paid or paying as agreed 
Comments: Student loan - payment deferred   STUDENT LOAN - PAYMENT DEFERRED  Payment deferred 

[Anonymous]

 ALLIED INT  EXPERIAN
EQUIFAX
TRANSUNION
   
Account Name: ALLIED INTERSTATE INC ALLIED INTERSTATE IN ALLIED INT 
Account Number: 6030XXXX 6030XXXX 6030XXXX 
Acct Type: Collection Department / Agency / Attorney Collection Account Collection Account  
Acct Status: Closed Open 
Monthly Payment:  
Date Open: 12/1/2008 12/1/2008 12/30/2008 
Balance: $1,997.00 $1,997.00 $1,997.00 
Terms: 1 Month  
High Balance:  
Limit:  
Past Due: $1,997.00  
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Unpaid Collection account 
Comments: Unpaid  Placed for collection

[Anonymous]

 BONN COLL  EXPERIAN
EQUIFAX
TRANSUNION   
Account Name: BONN COLL 
Account Number: 354XXXX 
Acct Type: Collection Account  
Acct Status: Open 
Monthly Payment:  
Date Open: 11/17/2003 
Balance: $361.00 
Terms:  
High Balance:  
Limit:  
Past Due:  
Payment Status: Collection account Comments: Placed for collection--My Comments--: This looks like something my mom opened for me when i was a kid. My birthday is 04-24-1988, so i would have been either 15-16 when this account was passed on, so there for would have been about 13-14 when it was opened. I was told i was legally required to pay this.    

[Anonymous]

 CAVALRY PORTFOLIO SERV 
EXPERIAN
EQUIFAX
TRANSUNION   
Account Name: CAVALRY PORTFOLIO SERV  
Account Number: 866XXXX  
Acct Type: Collection Department / Agency / Attorney  
Acct Status: Closed  
Monthly Payment:  
Date Open: 3/1/2006  
Balance: $276.00  
Terms: 1 Month  
High Balance:  
Limit:  
Past Due: $276.00  
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department  
Comments:  --My comments, i don't know what this one is for, no clue.    

[Anonymous]

 CRDT SOLUTNS 
EXPERIAN
EQUIFAX
TRANSUNION   
Account Name: CREDIT SOLUTIONS CORP CREDIT SOLUTIONS COR CRDT SOLUTNS 
Account Number: 173XXXX CONFIN FI-173XXXX 173XXXX 
Acct Type: Unknown - Credit Extension, Review, Or Collection Open Account Collection Account  
Acct Status: Closed Open 
Monthly Payment:  
Date Open: 2/1/2008 2/1/2008 2/19/2008 
Balance: $725.00 $725.00 $725.00 
Terms: 1 Month  
High Balance: $725.00  
Limit:  
Past Due: $725.00 $725.00  
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department At least 120 days or more than four payments past due Collection account 
Comments: Account in dispute-reported by subscriber