I Have a credit sore of 419 several judgements and a charge off 4 a car I've paid all the judgements and?

Yes! But,before you start paying back , negotiate for an arrangement that favors you . It does not hurt to ask the creditor .

If you can pay off your obligation and it has not been reported to the credit bureau , Ask them to keep it from the credit bureaus and waive late fees.

If it has been reported to the credit bureaus, Ask them to delete from the credit reports in return for paying back.

They don't want to delete it ( they usually do it , especially you pay all back ) , Ask them to change a notation " collections , charge offs or past due.." to " PAID AS AGREED " . This means that you didn't pay your debt " when " you agreed, you did pay the " amount " agreed. If you don't get a paid-as-agreed notation , your report will show extra negatives and your score will be lowered.

This is easy enough for the creditor to do .

Get any agreement in writing from the creditor before making the payment. After the creditor has your money , you have no leverage.

Wow - good on your for attempting to make right your credit situation. Whenever positive moves are made towards rectifying overdue payments your score will always go up. Only stipulation is not by leaps and bounds and it's not instantaneous either. It's a process.

The several judgments and car charge off are reasons why your score is triple sub-prime.

What I suggest you do going forward (assuming you haven't) is when you pay off the remaining debts that you negotiate a "pay for delete" from the creditors. Make sure you get this in writing as they tend to feign amnesia once they have your money. Be steady in making your payments.

Judgements can stay on your report for up to 10 years depending on your jurisdiction. The collections and charge offs a minimum of 7 years. You need at least 2 years of positive re-payment habits to get your credit & history where it needs to be. If you were having some reasonble difficulties which resulted in these debts I suggest you add a statement to your accounts so future lenders will see it's not habitual but circumstantial reasons for the negative accounts.

Don't take out a car loan, vehicles depreciate. Just save and by something that can get you from A to B...save the rest.