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What makes a remark bad?
I have 5 accounts listed and 4 of them are listed as having "remarks". A couple are bad since we went through bankruptcy but two are on older accounts with good payment records.

* Remarks Fannie Mae account - is this considered bad?

* Last Reported Jan 01, 2009 - is this one I can and should have removed?
Account Type Credit Card
Account Status Closed - Paid and Closed
Opened Date Oct 01, 2007
Closed Date Oct 01, 2008
Remarks Account closed by credit grantor

Credit Karma lists this section for "Total Accounts" as Very Poor because there is only 5 - all of them are closed.

Do I just leave this alone or should I work to remove them? I believe Paid and closed is not necessarily a good thing and neither is closed by credit grantor.

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Paid and closed is fine if it was closed by consumer, but if it was closed by credit grantor then you are correct--that's not good. That's known as an adverse action. If the information is accurate you can't get it removed from your credit report; it will just have to age and fall off.
My suggestion is to try and crowd out the bad with some good. Can you get a secured credit card with a local bank? I know Wells Fargo has a $300 secured credit card that graduates to unsecured with good credit behavior. Capital One also offers a secured card. You can go to their website and see if you are preapproved. This is a good thing to do before submitting any application, because the creditor does a soft pull, which doesn't harm your credit, and you'll have a pretty good idea whether or not you'll be approved.

It's hard not to go a little crazy with credit applications once you start getting approvals, but try to limit new lines of credit to no more than two per year, otherwise you'll get dinged for "seeking credit." Building a great score takes years. Good luck!

Top Contributor
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You never want to try to remove accounts that were closed in good standing. "Closed by credit grantor" does not cause damage to your credit, it may raise questions if your reports were under manual review, but there really is nothing negative there and for the most part credit reports are not manually reviewed unless going for a major purchase such as a home or dealing with a small town bank.

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