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Hello All, I am new to this forum. I need some help, I've had Lexington Law for a couple months and seen no improvements on my charge offs...Time to take matters in my own hands. I have 3 charge offs that are less than $1000 and my credit score is about a 530. People with car repossessions and bankruptcies probably have a higher score than me. Why are three little things destroying my score?????? I need help on what to do about the charge offs and also if I should get a secured Capital One credit card in the mean time to help build my credit back up. I appreciate your help!