How to raise mid sixes credit score?

My credit scores are TU/669 EQ/656 EX/651. I have 8 open lines of credit; 2 derogatories over 2 years old. Debt to income is 4%. i have a bk that drops off end of next year. How to raise my score? Derogs are paid off, all lines are current. Derogs are collections, and they won't delete their entries.

Public Comments

1. so you don't owe anything else other than those that you mention? BTW, to improve your score, it is more of your debt/available credit ratio, so is it below 30%? Pay off debts and you have to wait till any derogatories to drop in order for your credit score to go up. Any derogatories stays on your record for 7 years, except for bankruptcy, which is 10 years.
2. The fastest way is to pay down credit cards. They look for your charged amount to be less than 19% as an average. Use this handy little calculator. You can fiddle around with it, and figure out what you need to do, or what's affecting you. I use it all the time, and it's pretty close to my actual score. It asks a few questions and you get a simulated score. You can go back and answer the questions differently and get a different score!! http://www.bankrate.com/brm/fico/calc.asp
3. The derogatories won't drop off as you did incur the debt and that the debt wasn't paid at the time. This is your history, and it won't be relieved just because it was ultimately paid off. So, the report is a time line of your credit not a photograph of what you are doing now at this point in time. All that you can fight is the accuracy of the derogatory, as does it belong to you. If you try to use a credit fix it company, all they will do is just write letters without even bothering to review your complaint. They won't even bother to do much for you, as it is in their best interests to keep you hanging. Think I'm just being a BS artist? Check the report from a congressional committee from 2006 by the Federal Reserve Board. (And you thought that they only controlled interest rates and banks.)
4. To raise credit score 1. Always pay on time or ahead of time. 2. maintain low balances on credit cards 3.To boost your score: Don't charge anything for at least 60 days before applying for a loan 4. keep your total potential debt to earnings load low - If you have a card with a $15000 credit line, you may ask them to reduce it to something more realistic, like $5000. 5. You should have a recent history of both installment or term (Car or house loans) and revolving credit. 6.To boost your score: Don't close unused accounts when you transfer debt. 7.To boost your score: Consider opening another credit-card account or two, or taking out a car loan or small bank loan. ------------------------------ http://www.bestcreditrates.net
5. Pay off what you owe, including the stuff in collections. After that, time heals all wounds. You have to wait long enough so that your "bad credit" history is no longer your "recent credit" history.