[apexcrsrvc]

It's not awful but, it isn't good either. You're problem is in three stages.

1) You've got several debt purchasers on your reports. By virtue of how they report, they must be removed b/c they will kill your scores. The dates are going to be to recent and the type is going to report as open. Down the drain go the scores.

You have a few miscellaneous lates and collections. NCO and RJM can be dealt with.

2) Your utilization is poor. Do as Jlynn advises.

3) You don't have much by way of open, revolving history. This is what is used to primarily gauge your overall history. You could consider adding some aged accounts if a score increase is imperative to you. Ask a relative or friend to add you to an old credit card or look for this service through a broker if the former option isn't a viable one.

You may be able to touch a 700 if you remove most of these debt purchasers, lower your balances and add some history.