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My CK score is now at 685 and has hit a plateau. I have only one current credit card, its about 12 yrs old, with a balance of 300 and limit of 4800. Three quick questions: 1. Average age on accounts is 8 yrs. I could call Amex and remind them of an account I used to have some 15 to 20 years ago. Will that help? 2. I have two inquiries from last year. How do I get rid of them? 3. I have two negatives. A charge-off from Discover which was last reported on March 2012. And a settlement with BofA last reported in Sep 2011. Any advice will be greatly appreciated!