PLEASE HELP ME–Questions & my CR posted in here!

Hello! I’m new here and am hoping for your expertise and knowledge to point me in the ritght direction.  I just did this post and it was long but it never posted, SO I will keep this short as possible. =)

 

Not using excuses or  anything like that.  I am embarrassed to show my CR but I need HELP.  In the past, obviously poor choices my with my money and credit, didn’t really leearn to budget at all until I married my husband.  My parents are in the same financial situation and never really taught me how to use my money.  However, I am an adult so I take full responsibilty for my poor habits and bad credit.  EQ score is 608, haven’t gotten my TU score yet.  I have obtained a EX &EQ CR.  I have 2 unpaid collections.  1 shows $107 collection and the other shows $55 collection.  I am paying these off this month.  My UTIL is 9% revolving and 91% installments.  I have paid off one of m capital one cards have paid the other capital one down and only has a $75 balance.  My CR is listed below and I also have listed some questions.  I appreciate your time in reading this and helping me out!

 

1)  Since I have paid my only 2 credit cards this week, I am moving onto collections.  These will be paid by the end of the month.  I want to delete these off of my CR.  Should I send a GW letter with my payment or wait until payment is received then send a GW letter?

 

2)  Do I send a GW letter to the closed, open or both regarding baddies?

 

3)  Long story with students loans (which is killing me on my CR) but short: Nelnet bought loans from bank.  During this time I changed jobs, changed banks, moved and got married.  I took a huge pay cut and never followed up on my loans-VERY STUPID OF ME!!!  I was 120+ before I went into deferrment.  Monthly payment is $68.88 and I have been paying $100-$300 monthly since Nov ’09 to catch up when it went into deferrment.  Nelnet said I would need to contact the CA for removal.  Should I send a GW letter with proof of payments more than required to show that I have been and currently paying even though I am in deferrment?

 

I am sure I will think of more questions later…I will post my CR below this post, thank you again!