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sorry!! you don't have to take the time to answer me
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Please don't deprive us from the pleasure we get while interacting with others in this forum and that is the reason we all are here
You have mentioned in your post that your credit record contains several charge-off and one in collection. Let me tell you that no financer would like these marks in credit report.
Charge-offs stay in your report for 7 years. However once your accounts are paid, it will be marked as Paid charge-off which is comparatively better.
You can request the collection agencies that hold your other accounts, to report them in your favor so that your score is not damaged.
Also go through the link below to know how to raise your credit score. You can do it yourself-
http://www.debtconsolidationcare.com...dit-check.html
Hope it helps. Feel free to ask your queries in forums