Judgments, negotiate, romove from credit report, duplicates

I have not had any credit, positive or negative, since 2005. I have opened a secured credit card account with my credit union and feel confident I am on the right track to get more positive points on my credit report. Will a good history with this secured account increase my credit score? My score is now 640.
Also, I am “cleaning up” my credit report and am having to deal with charge-offs and a credit card judgment . Experian told me I had to either wait till those drop off, some as long as FIVE years or begin making payments. The payments I could afford on those debts would make it so I would be paying them off in NINE years.
I have heard that these debts can be negotiated down to erase the finance charges and late fees. Is this true? If so, does this apply to my account that actually is filed as a judgment with our county, where the county will negotiate?
Also, can debt that has NOT become a judgment be negotiated down? If so, how does one do this if it is a “collections” situation that is no longer with the original creditor?
ALSO, if the debt is negotiated down, are payments considered or is the only option a CASH PAID IN FULL.?
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After 1 year, if they report to a bureau, your score will go up with no other negative information added in the meantime. probably 10-20 points. Keep the balance to less than 80%

Judgements you can forget about. But be sure to remember how bad that was and go on and get more new good credit. If the judgment is also listing on your report by the original creditor, then I would have that marked as paid and included in judement.

Use my dispute form
http://www.oskie.com/credit-dispute.htm

Negotiate debts and start for 35 cents on a dollar.

If they agree to that I am sure it is in full and I would find a way to do that.
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The judgment is for only one credit problem, NOT where it is being reported twice. Can this judgment be satisfied in any other way that the FULL amount being on payment forever? Is there negotiation room with the county? Will making payments “shine” my score any?

My problem with the double negative report is that one company has reported a Transferred, closed/Account charged off, then the $$ written off. Then a NEW company is reporting Collection Amount of the same EXACT $$, to the dollar, thus extending the time on this debt till 2012! When I asked Experian about this, they said to just begin making payments or else this company can sell the debt to someone else, (the same $$ amount) and that will be a THIRD bruise on the report.

Would your dispute form be something I would use in this case to dispute a debt to a collections that is the SAME as the original to the REAL creditor?

Or am I sunk with TWO of the same black marks on the credit report?

It is awful that the EXACT amount, to the dollar, is being reported TWICE. Double jeopardy on my credit report.
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Judgement is law. and that is that. sorry
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
all i know is use this on the double stuff or pay.
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