[TSK]

I need to remove the late payment history and one collection account off of my reports to help improve my score. Do you think I should use a GW letter or the 1 -2 punch method. Any other advise is much appreciated

Credit Card with Late Payments

CITIFINANCIA

Account #: 60325904**** Type: Charge account Opened: 05/22/2007
Condition: Closed Pay Status: Current Reported: 10/02/2009
Balance: $4,571 Payment: $115 Responsibility: Individual
Limit: $4,500 Past Due: $.00 High balance: $5,140
Terms: Provided

7-year history: Remarks:
30-days late 3
60-days late 1
90-days late 3


CAP ONE

Account #: 48623671**** Type: Credit Card Opened: 06/26/2006
Condition: Open Pay Status: Current Reported: 10/23/2009
Balance: $0 Payment: $0 Responsibility: Individual
Limit: $500 Past Due: $.00 High balance: $667
Terms: Provided

7-year history: Remarks:
30-days late 1
60-days late 0
90-days late 0


CHASE

Account #: 41858629**** Type: Credit Card Opened: 10/16/2006
Condition: Open Pay Status: Current Reported: 10/23/2009
Balance: $3,394 Payment: $160 Responsibility: Individual
Limit: $3,500 Past Due: $.00 High balance: $3,911
Terms: Provided

7-year history: Remarks:
30-days late 1
60-days late 0
90-days late 0



Revolving Accounts: Accounts with an open-end term
FST PREMIER

Account #: 54336287**** Type: Credit Card Opened: 06/13/2001
Condition: Paid Pay Status: Collection/Chargeoff Reported: 10/14/2009
Balance: $0 Payment: $0 Responsibility: Individual
Limit: $300 Past Due: $.00 High balance: $512
Terms: Provided

7-year history: Remarks:
30-days late 0
60-days late 0
90-days late 0

COLLECTION

Collection Accounts: Accounts seriously past due
FIN CR NETWK

Original Creditor: 10 AT T Account No.: 68495** High Balance: 90
Date Opened: 10/31/2007 Date Reported: 02/08/2008 Balance: 0
Condition: Paid Responsibility: Individual