Will someone analyze my Credit and offer some oppinions please?

[Anonymous]

Report date: 5/17/2007

--------Collections
EQ:
Sprint

• unpaid as of 03-2004

EX:
NCO

• Status June 2006: Paid account/was a collection account, insurance claim or government claim or was terminated for default (should I fight for them to report that it was PAID only?)
  

TU:
None
----------------
Explanation: they are all for sprint. sprint sold it to NCO, I paid NCO june 2006

--------Public Records
None
--------

--------Inquires(past 12 months)
EQ 1
EX 9
TU 7
--------

--------Accounts
On all 3
If nothing stated, account is paid w/o any problems, ontime every month

BOA Credit Line

• op 4/2007
• $0 bal
• $20k limit

BOA Credit card

• op 2/2004
• $78 bal
• $6500 limit

Capitalone

• op 12/2004
• $68 bal
• $500 limit

Capitalone

• op 3/2006
• $0 bal
• $6000 limit

Citi Loan

• op 4/2007
• $5k unsecured loan

TD Bank North Loan

• op 4/2007
• $5k loan

Sovereign Credit line

• op 4/2007
• 0 bal
• $10,600 limit

Chase

• op 2/2005
• $0 bal
• $400 limit

Chase

• op 8/2004
• $0 bal
• $700 limit

Citi Credit Card

• op 2/2007
• $0 bal
• $500 limit

Credit Acceptance(Car Loan)

• op 4/2003
• Charge off legally paid for less than owed
• TU: shows it closed
• EQ: Closed
• EX: shows it open: Date of last payment Jul, 2006, but last payment was 10/28/2004, and I have the payment history printed by them 2/1/2007 that shows this

CFNA Firestone

• op 10/2005
• $0 bal
• $1400 limit

Discover card

• op 4/2007
• $0 bal
• $3,000 limit

First Premier

• op 4/2004
• closed 10/2005
  

NCO

• Largest past balance $173
• Credit Type: Open Account
• Description: Paid Collection
• EQ: Closed: Date of last payment 4/2003, I paid this off June 2006, should I worry about this?

--------

I more or less see it now as just letting time works its course and pay off the loans.

Is there anything I can do about these Baddies or am I stuck til they fall off?

[Anonymous]

With all those positive TLs, time is definitely on your side. I wouldn't be surprised to see your score go up 5 to 8 points a month, even with the baddies.

[Anonymous]

Yeah my scores are going up, more or less  i was probably 500 last year, I was using fakos and I was 552, and now im 648 658 685 fico

my fako equivilent is 676 for the 648 fico....

I am just wondering if I have them update any of that miniscule information if it will help or not

I think I got denied credit because Credit acceptance reported me derogatory 7/2006....and thats not right/fair