Amazing Site!

First time poster here just wanted to say I love this site I just found it today and am amazed at the people with great info. I have been looking for help like this for six years now since killing my credit with stupidty in college.
Just 2 questions. I have three credit cards that I have been paying off regularly for at least a year thanks to online bill payments through my bank. My reports all are still showing the 30,60, and 90 days late payement from the past 7 years. I also have 3 collections that have all been paid to a zero balance (2 within the last 2 months). And finally I have 2 installment loans 1 auto, 1 boat that have been paid out; but each have 2 30 days late payment on them. Here are my 2 million dollar questions for all the guru's out there.

1. Can I bargain with the credit card co's Chase, Providian, and Discover to remove the late payements upon final payement of balances owed?

2. Can I do anything with the collection accounts and installment loans since they already have been paid off (I cant negotiate payment since it already has been made). What can i do to get these off or deleted?

3rd bonus question Am i screwed for 7 years now that everything is paid off?

Any info is appreciated. I will be seaching the archives for similar questions. Thanks Again.
Paul

 

Thanks for the info javan!

 

Javan one more question,
I forgot to metion that these 3 credit card account were all closed b/c I joined a ccsa about 2 years ago and dropped out after it was more of a hassle than just paying the bills myself. Do you think the goodwill letter is still worth a shot since the accounts are closed I also enrolled with the lexington law firm should I just let them do their thing first?
Paul

 

Thanks guys, after reading my reports I dont see anything on them other than being closed about the CCSA. I am sending off the godwill letter as we speak. Thanks again I may be able to sleep better now knowing that there is light at the end of the tunnel.