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collections and hard ci
current ck score..632
1 old account in collections($739.00) due to fall off TU in july

i old account just fell from collections($332.00) saw no change of credit score,
no other collections.

7 hard credit inq.
4 due to drop off TU in april (2 year )
leaving 3 hard CI remaining.

8 total accounts --4 open-4 closed.
of the 4 closed -2 have one 30 day lates from 3 years
ago .
all 4 open accounts have never been late.
currently at a high utilization level..about 75%

my score is frozen at 632.
how the heck to i make it rise?

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