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420 to 650 credit score, how can I get there and how long will it take???
I am in the process of rebuilding my credit!

3/14/2017 TU 420 EQ 409

My credit details:

1 judgement on all bureaus (disputed and removed)
1 collection for 342 (disputed and removed TWICE now)
Victorias secret credit card (closed charged off, disputed and removed)
1 repossession on all 3 credit bureaus
Closed wells fargo credit card all 3 bureaus
Home Choice furniture closed, charged off on TU and EQ
5 late payments on current auto loan

Right now, I am trying to focus on paying my car note on time now since I got hit pretty bad with the 5 late payments. Should I pay off any closed accounts? I disputed the ones listed above and they were delete but never paid. Should I work out payment arrangements? The only negative and closed accounts are my home choice, wells fargo credit card, the reposession and 20 hard inquires.

I was planning to leave the repo alone and let it fall off in 4 years because I already have another car and auto loan. I also just got approved for the Capital One Secured Credit card with a $200 limit; $99 deposit. It is being mailed to me.

Should I pay off the judgement, victorias secret and the 342 dollar collection that keeps resurfacing on my reports? They were all deleted from my report but I never paid them off and I do not want it to come back and bite me in the rearend! I am trying to buy a home and I want to be debt free and have a score of 650, I am 230 whopping points away from my goal!

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It's gonna take a lot of time... the negative entries will remain on your credit report for seven years. Pay off the judgement ASAP, else they'll garnish your paycheck, which will put you in a bind. The charged-off stuff makes no sense to pay - the creditor(s) already counted it as gone, and it'll still hang around on your credit report for seven years no matter what you do (unless you negotiate a pay-for-removal agreement with them.)

Be careful on the repo... they may take it to court, so it may be worth your while to look towards paying it off when they come around and demand $x to settle it.

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