My current score is TR-613, EX-582, EQ-622. Is there any thing I can do to get this off of my record and raise this score.

REAL PERSON
Bo,
I ran across your information while looking for help. I have some serious problems and don't know if I can get out of them. I have 2 charge offs and 2 bills in collections. Both bills in collections have been paid, but only one is listed as paid. All of these bills except for one are from helping someone else (big mistake). I just retired out of the military and need a better score to survive out here. My current score is TR-613, EX-582, EQ-622. Is there any thing I can do to get this off of my record and raise this score.
Thanks for any advice
REAL PERSON
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You should be able to dispute the paid item as paid and it will be updated.
Sounds like you have more problems than just those. I would suggest making sure any open credit lines be reduced to less than 80% of available credit. This should help. I would try to re open accounts that are charged off's and pay good for 1 - 2 years. If the charge off is not removed then ask them if they could help as you are trying to buy your first home and this is the only thing holding you back.
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