wondering where i stand

I've been successful in getting a few items deleted. It's been years since I've had a new delinquent item. I'm wondering if there is anyway to guage my progress. I've checked equifax score before, although that one doesn't have as much negative items. I have 4 collections appearing on my EX and TU report (of which i'm paying off and all at least a couple of years old) as well as a charge-off from a Wachovia bank account (which is the same account as one of the CAs). In addition my student loans are paying current but have delinquent history more than 4 years old.



I have no open credit cards, and only student loans appear in the positive account section



i'm wondering how this ranks me, or what more I can do. I'm not looking for any massive expenses or anything of that nature, but you know a car loan or something of that nature.



are there places out there that can look at a credit report and give me a breakdown? I have to believe there are people in worse shape than me who are getting the credit they need...



Any guidance I could get is very appreciated