Just wanted to respond...I know it seems endless but I'm sure there is light at the end of the tunnel. Better late than never finding this site! I'm sure there are things yet to learn as to how you can improve your score! I find something new everytime I log on here. Pat yourself on the back for taking the step to get financially healthy!
Don't beat yourself up too much. As was said before, the point is, you have the best of intentions, and you will be rewarded.
All those old collections you paid off, I would start sending out some goodwill letters ASAP to see if you can actually get those removed. A collection completely removed is better than no collection at all.
I'm not familiar with wage garnishment so I won't even attempt to advise you on that.