Some questions

Oh and I live in PA

To remove the lates and charge off status of accounts that have already been paid,you would need to write a goodwill letter.This letter would be sent to the original creditor that is showing the account on your report.

Basically in this letter you are telling creditor that you were a good customer until hard times came and would like the item either removed or changed to a positive status. Now understand they are not required to change anything correct on report so you will have to play nice. If they agree,they will send in a change report to update account.

Now on the collection,is it paid and how old is account that is being collected.

The collection has not been paid, it was placed in collection in 2005 but I know for a fact I have not paid on the account since at least 2002 if not earlier.
- The other account I have also not paid on since it was closed in 2001 ans has a balance.

If neither of them are paid,then only way to remove them from report early is either finding errors on report to dispute or doing a pay for delete settlement. In a pay for delete,they agree to payment in full for removal of account from all reports.This is also not guaranteed.Either they will do it or they won't. When you initiate a bureau dispute,the creditor must correct his account or remove it.Look at the top of this board here and you will see a few stickies I have placed here. Go thru them and read. They give you a lot of info. to help you on your reports.

Thanks I will try these things out.

another question.

I found two accoounts for credit cards I never had that are charged off. What do I do about these???

On the credit cards,dispute as a fraudulent account,not yours.

One accout I disputed as came back as a verified account and I know for a fact I never opened it. What should I do send a letter for "a pay for delete"? I am at a loss here an this is killing me.

If you know that it is not yours,then we will want to trigger the facta provisions of FCRA. Go to www.ftc.gov.
Download id theft affidavit and fill out.Get it notarized. Go to your local police station and request to fill out a police report for id theft. Send copies of all this paperwork to the credit bureaus and creditors with a letter that this account is not yours based on theft of id.

Two of my accounts that were negitive I have gotten removed. I have also sent out goodwill letters to those who are were late by one or two payments. I have also added to credit card accounts as an authorized user. Both accounts are 2 years older or older with zero lates and zero credit balances. How soon should I see a change in my credit score once all these things hit my credit report???

Normally when you are added to someone's account,it would take anywhere from 3-6 weeks to notice a change depending on what reporting cycle the creditor has. You should see some improvements with removing the negative info in the same time. Once you have seen the scores start to go up.You may want to start adding trade lines to bring your score up with a positive tradeline. To find out which companies to apply for,just do a google search specifing what score is versus who approves.

Well my credit scores have increased across the board with 603 being the high and 555 being the low up from a 525. So far my good will letters have returned with negitive outcomes. I am still waiting on 2 more. I am aslo waiting for my new AU accounts to appear.