Chaotic credit report

Lino · Jul 20, 2006

Hello guys, I am a newbie and donâ??t not much about anything. Followed your advised and ordered my 3 CRâ??s from trans union, the report looks like crap with scores of 627 in both transUnion and Experian and 680 with Equifax. Honestly I donâ??t know where to start, but I am going to list the Problematic filings as follows and hoping any of you could lend an advice in how to proceed: On the mean time I will keep on reading.

1._HSBC/BSBUY
This one is listed only with Experian, listed as closed (transferred), late 180 days reported on 04/14/2005. High balance $1823
This account is now own by LVNV FUNDING, which also appear on my CR as derogatory with a pay status = collection/chargeoff. Last reported on 06/26/2006. High balance $ 1823 and Past due $1973.

2.- DISCOVER FIN SVCS LLC
Listed with Experian, closed (paid), collection (chargeoff), paid for less than the full balance, late 4 x 90 days. Last reported on 10/04/2004

3.- CITI
Listed with Experian, closed (paid), collection (chargeoff), unpaid balance reported as a loss by credit grantor, late 2 x 90 days. Last reported on 03/08/2006. Citibank took me to court got a judgment against me and I had to pay $12213. the judgment is public record dated 04/25/2005 and it appears as so in the CR, but does not show as debt satisfied.
Only the public record is listed with TransUnion and dated 02/24/2004 as filed judgment and with different amount $12172.

4.- LVNV FUNDING
listed with Experian, derogatory, collection (chargeoff), customer disputed account, this collector took me to court although I had send validation letters (2); I do have the green cards; but the lawyer did not served the papers properly and the case got thrown out. This happened on 09/16/2004, last time reported 06/26/2006. The OC high balance was $8735 it now shows $13055 The OC was SEARS strangely does not appear in the CR, I bet it will show if this account is settled.

5.- BK NY IL
this account shows in all three CRA reports.
Transunion: Derogatory, late 90 days, does not show as paid. Reported 12/31/2003
Experian: Closed (paid), late 90 days last reported 02/20/2004
Equifax: Derogatory, late 90 days, does not show as paid. Last reported 04/2004.

The two filings that I still owe money to are the ones from LVNV FUNDINGS for a grand total of about $15K.
Please advice on what is the best way to approached this including chronologically wise, it is within reason to suggest to try to settled with them and if so for how much before I try to repair my credit history?. I really appreciate your time and patience.