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Welcome to the site. First I would try to get those derogatory or deliquent accounts removed. Also, what is the public record? Bankruptcy? Also, try to lower your utilization by paying down your credit cards. If you have any credit cards that have been charged off, you can try to settle with the Collection agency with a Pay for Delete. They will usually settle for 20-50% of the amount owed, but you must get in writing that they will delete the account from all of the credit bureaus. These are just starting points. Stay current with you open accounts.
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