Need a little help getting started

Jun 262010
 

Ok. I am ready to start my ascent to credit greatness. I have some issues for sure, but I am optimistic and ready to work. I have a little capital coming my way as well, so I may be able to move some old debts. I did get a secured credit card from Cap1 last month and intend to pay in full and faithfully if it kills me. I need to deal with the following issues and if anyone has any input, I would appreciate it. My Equifax is 551 and I want to go to at least 650 and then up from there.

Here is the debt I have:

1. Tribute CC – Authorized User  – $1251 bal. Acct is closed. Last activity Sept. 2008
2. AFNI-Bloom (Nextel?) – $1412 bal. Collection Acct. Last activity June 2006 – Have offer letter to settle for $100.
3. Midland – (Not sure) – $773 bal. Collection account. Last activity Feb. 2007 – Offer settlement 25 – 50%?
4. Lvnvfundg – (Not sure) – $607 bal. Collection account. Last activity Mar. 2007  – Offer settlement 25 – 50%?
5. Continfin CC – Charged off/Sold (maybe Midland above?) – 0 bal now, but was $569
6. Plainscomm CC -  (maybe lvnv above?) Charged off, but doesn’t say sold . 0 bal now, was $451 bal at one time.
7. HSBC Bank CC – $0 bal. – was $180. Charged off/sold. Last activity Mar. 2007. Do I try to pay this?
8. HSBC Bank CC – $0 bal. – was $252. Charged off/sold. Last activity Feb 2007.Do I try to pay this?

Have 2 recent inquiries on Equifax – Cap1 for new secured card and Avis Rent a Car.

Collections:

1. Embarq (Phone company) – $437. Last active Dec. 2009. Can pay this as it is new. PFD?
2. BrightHouse (Cable) – $83. Says sold and 0 bal. Last activity Mar 2007. – Can pay this as well. PFD?
3. Total Card – Same as Line 6 above. – Unpaid Status. If I pay this should I try for PFD for both entries?
4. Nextel – Same as line 2 I believe, but the bal only shows $438. If I settle for $100 with the offer I have, should I try for PFD?

Had a BK in March 2002. Not much can be done but wait for it to drop. Any suggestions on how to tackle this mess? I am in a rent to own situation and would like to buy the property in 12 months. I will have capital to make some settlements soon. Any help or suggestion is much appreciated.