I had a bad credit record two years ago. I forgot to pay a store credit card for more than 6 months and my credit score droped a lot. I paid it immediately after I found out. So scared... Now my credit score still has not recovered much. And in Experian, the state is "Unpaid balance reported as a loss by credit grantor." while other two reporters show sth like "Paid collection""charged off paid". Does the Experian one indicate that I have not paid? Do I need to deal with it?
And is there any way to get this record off? and how should I increase my score? I am thinking auto loan, but as long as the record is there, I don't know how much paying the loan will help.
Any advice is appreciated!