I think u have taken a lot of steps in the right direction. Good job!!
U say that the medical bills will come off when ur done with them. Why is that so? Is that part of the deal of your payment plan? If not, there is no reason why they WILL come off, automatically that is. They will get modified to defect they are paid.
As for the credit card, has it been charged off? Has it been sent to a collection agency? How much is owed on it? Without knowing these answers I can only venture to say that while ur taking steps in the right direction, that credit card will bring u down, so I would say you need to tackle that in some way. Have u tried negotiating with the credit card company? As the account gets older, it is impacting ur credit less and less but it is still impacting it none the less.
How about these other accounts u are paying off? Were they reported as late pays or had they gone to collection as well.
Have you calculated what your overall debt to credit ratio is? These are all factors you need to consider.
U could also try to get added as an authorized user to someones account that has a long credit history and great credit. U can hand them over the card when u get it so that there are no worries that you will use it.
Please provide some more specifics about how ur report reads so that I can answer more on point.
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