Get my accounts to reflect positive or good credit.

Live Human Being / to me / show details / Apr 4
Hello:
I've found your website while searching for resources as I repair my credit. Thank you for your assistance thus far. Your resources are wonderful. I have a few accounts that I need additional help with removing or getting into a positive rating. These accounts don't necessarily have a high balance - my concern is making sure that theu get reflected in a positive way.
Account One
1. type account
Installment Account2. how old
4/20033. payments made
Charged Off - Derogatory4. your credit score
565
This account balance is $1022 and interest is accruing. offered me a settlement of 30% will report settled, in full

Account Two
1. type accountCollection Account
2. how old
10/2006 (was sold) Account is much older but that's what is listed on report3. payments made
None - Derogatory4. your credit score
565
Balance is 116.93
Won't report to credit agencies or provide written confirmation that debt was paid in full or as agreed

Account Three
1. type account
Collection Account2. how old12/20043. paymnts made
None Derogatory4. your credit score
565
Balance is $149
Will report paid as agreed if paid in full

I would like your advice on how you think I should proceed? I appreciate any advice.

Thank you,

Live Human Being
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Bo Majors / to Real Person / show details / Apr 4
I would take deal one fast
I would use my dispute form and say not my account.
Same thing for the 149
Keep three good credit lines open.