Finally facing it all !

After posting numerous posts with questions I finally have the guts to post my horrible past credit flaws and would like for someone give some advise and to answer a few of my questions. The following are all of my accounts if they are in red they have recently been paid. These were all of my reports when I recently pulled my scores EQ 444 TU 491

 

Baddies

HSBC Orchard CC – CO $742.00 balance (paid in full on 3/5/10 to OC) DOFD 05/2009

First Premier CC – CO $0 balance DOFD 10/2005

Imagine CC – $0 balance (1 30day late from 11/2007)

Local Bank – CO $10056.00 balance DOFD 01/2006

Local Bank – CO $1627.00 balance DOFD 01/2006

Local Bank – CO $1611.00 balnace DOFD 01/2006

Credit Union Loan – $0 balance (2 30 day lates 07/2009 and 08/2009)

Bank Loan – $0 balance (3 30 day late 11/2003, 12/2003, and 06/2004)

Bank Loan – $0 balance (6 30 day lates from 05-11/2008)

Bank Loan – $0 balance (2 30 day lates 11/2003 and 12/2003)

Bank Loan – $0 balance (1 30 day late 08/2007)

 

CA – $770.00 balance (paid with a PFD 3/5/10)

Asset Acceptance – $451.00 balance (will not accept a PFD) DOFD 03/2006

CA – $232.00 balance (paid with a PFD 3/5/10)

CA – $477.00 (wasnt mine and got letter for deletion)

CA – $17.00 balance (paid with a PFD 3/5/10)

CA – $34.00 blanance (paid with a PFD 3/5/10)

 

Good TL’s

8 Bank Loans all with 0 balances and no lates

Credit Union Auto Loan – opened 03/2008 with no lates

2 student loans – never missed a payment

 

All of the items in red will be removed from my report. What kind of score increase should I see? As you can see most of my lates will be falling off over the next 2 years. (some wont) I am aware of GW and have already sent tons of them out this week. Fingers crossed. With just the ones in red being removed will I get a decent jump? Here is my plan:

 

Open 2 secured credit cards with $500 limit each and keep UTI at about 3 percent (good or bad idea?)

Open a secured bank loan and finance for one year and not miss payments (good or bad idea)

 

I know this was long but I am really hoping for a lot of input from the pros on this site. I am fortunate to have a great job now and can afford to pay off whatever need be just afraid with the accounts with balances to pay because they are so old and they wont delete. By the way I live in Texas and SOL is 4 years. Thanks