I would really like to purchase a house this year. My scores are EQ 383 and TU 485. Here are my accounts: was at 152% util will be at zero by end of June.
Cap1 CC 1128/500 All CC debt will be at $0 balance by end of June or sooner
Household bank CC 472/500
Target Store Card 461/500
1st Premier Card 472/250 Just paid this to $0 and it hasn't posted yet (closed)
Collections
$212 medical appeared 12/08
$977 T-mobile appeared 11/08
$408 IT appeared end of 08
I am trying to PFD these collections
Accounts in good standing installment accounts
Auto loan
3 student loans
1 other dept of ed loan
Is it possible to get to the 620 mark this year
Starting Score: eq 383tu 417152% util, as I'm sure you know, is killing you. Pay them off as soon as you can, and then GW each CCC to ask them to remove any 30/60/90 day late payments. In the meantime, get current and stay current. If you have a way (wealthy family member for example) to pay them now, go for it.
Once they are paid off, let one report a small balance (<9%), and pay the others in full every month. Rotate which one reports a balance each month too.
For the medical collection, follow the HIPAA Process. You'll find great info in the "Recovering From Medical Debt" subforum that just opened up here.
Your CC debt is more important than your collection accounts right now, so if you have money to PFD those CA's, use it to pay of your CC's instead.