I've sucessfully settled all my credit cards ($180k total) all my CC are closed at this time and were reported as "CO" which I think means either Charged Off or Colection, in any case I now have only my mortgage and car loan which I was never late on always pay on time, hav eno other debts. Depends on which Credit Agency I use my credit score 6 months after last settlement is somewhere between 620-660 so question is how to I improve this? do I need to just wait another 6 months, pay off my car loan, try to get new credit card and pay on time?