To make a long story short, I was in college and got a lot of free things along credit cards that came with them. Used them for any and everything, my parents were helping me pay but they went through a divorce and things went downhill really fast. I graduated got a really job and called everyone on my credit report to make arrangements to pay off all of my debt (Not including my student loan).
Now I have fully paid 7 of the 8 charged off accounts on my CR. I have paid my student loans and Car note on time (Car note on time for the last 2 years.) and was able to get a secured Credit Card from the credit union which I Pay off every month ($500 credit limit).
The problem in March of 2008 my credit score was about 430 now it's 588, but there is only 1 more bill to pay off, but since it's will be another "paid charge off" I doubt my score will go up much more. Also I never qualify for credit cards because of my past credit history, therefore I cant increase my revolving credit to add to my credit report. Is there anything I can do?