My credit report, it makes no sense to me.

Help me understand my credit, please? Still working on fixing my credit so I can buy a house, but I’m confused about some things on my report. I’ve managed to get my score up 60 points in just a month or so, but I really need at least another hundred to be really happy.

Back story: I was in the Americorps, they didn’t send on my forbearance papers to my student loan holders, I got defaulted. Whatever. All that’s over with now as I’ve been paying out the ass to the collection companies to get them under good status now. Also, as a college undergrad, I had a couple credit cards that got away from me. I DID finally pay them all off though, and a couple of them I cancelled before they cancelled me. I currently have 0 credit cards.

A picture of my current debt looks like this:
Car payment
Insurance Payment
Student loan payments
And that’s it.

The problem is that a lot of that derogatory stuff is remaining on there and I don’t know what to do about it. Example: I got sick and went to the doctor, they didn’t ask and nobody thought to update my address. They sent the unpaid balance to a place I didn’t live. I got the collections letter and went down and paid it in person right away. It was seriously like $60.

So a picture of my derogatory account info:
There’s one credit card still out there. It had a $200 limit and I totally signed up for online only billing circa 2000 and forgot about it. Now they’re saying it’s a $1100 account. Condition: derogatory

Another card: closed, current, 0 balance.

Another card: closed, current, 0 balance.

Another card (honestly I think it’s’ the same as the previous one, they’re both Citibank cards and I only had 1): closed, current, 0 balance

Student loans still showing as derogatory because the collections people don’t update until the 9 months of repayment are over. 2 accounts like this. What stinks is that Sallie Mae’s on here AS are the collections accounts. Not only that, Sallie Mae AND their servicing company show up for the same accounts, plus the credit collection accounts. So let’s see, 2 accounts valued at like $2500 total show up as 6 negative dings.

Car loan: open, current, ontime over minimum payments for 27 months in a row now.

Something, don’t know what it was: closed, paid

Previous car loan: 36 on time payments, closed, paid

Then that medical thing, shows up as paid, but also as derogatory.

I know that’s long, I apologize. My score’s right under 600 right now, but I think if I can clear up some of the multi-accounts it’ll shoot up. Are things like that $60 collection going to stay on there for the full 10 years? WTF?!

Any advice greatly appreciated. Thanks!

Original text: My credit report, it makes no sense to me.

Category: FICO.