I currently have 3 creditors, that have been paid ontime for over 19 months, all previous debts were paid/settled, etc. I thought since everything was paid, that over time my credit score would start going up. But I was wrong when viewing my reports all of the creditors that I settled with listed the items as PAID CHARGE-OFF/PAID COLLECTION, I've read the faq, and I know my mistake now, what can I do? or am I just screwed for the next 6 years? one other point is I also made the mistake with going to a mortgage broker which didn't make things look to greated about 11 months ago, by sending my SSN to 7 different creditors which caused 7 equiries.. lol.. in which 1 I didn't accept a mortagage from. Any help thoughts, would be great. Thx,
