Questions regarding charge off and other items

[Anonymous]

I have one walmart account that has a zero balance but was charged off in Feb 2013 but has been settled with portfolio and they have removed.  There is a first premiere charge off with a balance of $448 that I haven't paid yet.  Have been trying to pay for delete but no luck yet.  The only other items are a 30 day late on capital one, and a paid capital one card that had a 90 day late on it but it was never charged off.  How much are these still affecting my scores?  Current score are Equifax 590, transunion 617 and experian 638.  Please let me know if anyone has some feedback.  Thanks.

[CreditDunce]

Recent major derog's are certainly a big reason for your low score.  I can't say how much, but the CO is a big part of it.  The 30 & 90 days aren't helping matters either, but they don't hurt as much as a CO.  As you know just paying the CO will not make it go away.

The folks in the rebuilding section may be able to help you more.  I don't have any personal experience with CO's, etc.