My Credit Report - Any suggestions? Thanks so much!

Hello Everyone. I love this forum and was wondering if you guys could analyze my credit report. You guys are a wealth of new knowledge for me. Obviously I know the chase card is my biggest negative. I paid 300 to the collection agency and have payments scheduled for the next few months. The CA told me they dont report anything to Credit reports till it is totally paid off. Is that true?? I made a payment to my Capital one card and and the balance is under $500 now, and also made a payment to EDSouth. I settled the walmart card last year in full. Is there anything on here i can fix, even a minor thing that might hello my score a few points. Any help is greatly appreciated. Sorry, for the long post :)

CAP ONE BK

Address:
PO BOX 85015
RICHMOND, VA 23285
(800) 903-3637 Account Number:

Status:
Open/Past due 30 days. $35 past due as of Jan 2008.

Date Opened:
07/2006
Type:
Revolving
Credit Limit:
$500

Date of Status:
01/2008 Terms:
NA High Balance:
$724

Reported Since:
07/2006 Monthly Payment:
$21
Recent Balance:
$724

Last Reported Date:
01/2008 Responsibility:
Individual
Recent Payment:
$174

CHASE

Address:
800 BROOKSEDGE BLVD
WESTERVILLE, OH 43081
(800) 955-9900 Account Number:

Status:
Account charged off/Past due 180 days. $4,648 written off. $4,648 past due as of Jan 2008.

Date Opened:
06/2004
Type:
Revolving
Credit Limit:
$3,500

Date of Status:
12/2007 Terms:
NA High Balance:
$4,648

Reported Since:
07/2004 Monthly Payment:
$0 Recent Balance:
$4,648

Last Reported Date:
01/2008 Responsibility:
Individual
Recent Payment:
$0

Your Statement:
NA

Creditor's Statement:
Account closed at credit grantor's request.

EDSOUTH W/ JP MORGAN

Address:
120 N SEVEN OAKS DR
KNOXVILLE, TN 37922
No phone number available Account Number:

Status:
Open/Current, was past due 180 days.

Date Opened:
09/1998
Type:
Installment
Credit Limit:
$2,500

Date of Status:
02/2007 Terms:
28 Months High Balance:
NA

Reported Since:
12/2001 Monthly Payment:
$50
Recent Balance:
$856

Last Reported Date:
12/2007 Responsibility:
Individual Recent Payment:
$65

GEMB/WALMART

Address:
PO BOX 981400
EL PASO, TX 79998
No phone number available Account Number:

Status:
Account charged off/Past due 120 days. $953 written off.

Date Opened:
12/1999
Type:
Revolving
Credit Limit:
$655

Date of Status:
09/2005 Terms:
NA High Balance:
$1,295

Reported Since:
09/2000 Monthly Payment:
$0 Recent Balance:
$0

Last Reported Date:
03/2007 Responsibility:
Individual Recent Payment:
$0

Creditor's Statement:
Purchased by another lender.

lvnv funding llc

Address:
PO BOX 10497
GREENVILLE, SC 29603
(866) 464-1183 Account Number:
Original Creditor:
GE CAPITAL WAL-MART

Status:
Paid in settlement/Collection account.

Date Opened:
11/2006
Type:
Installment
Credit Limit:
$953

Date of Status:
05/2007 Terms:
1 Months High Balance:
NA

Reported Since:
02/2007 Monthly Payment:
$0 Recent Balance:
NA

Last Reported Date:
05/2007 Responsibility:
Individual Recent Payment:
NA