Perhaps I am out of line, OP, but here it goes any way.
Judging by the name you use as your forum handle, I gather that you're young. 21. That doesn't mean that I think that you're dumb or irresponsible, though I know plenty who were at that age, including myself.
Your age tells me though, that you have limited experience with credit because you've only really been eligible for the last few years. That's okay though. You came here because you want to make a change, gain knowledge and do things differently to fix your credit.
However, your posts tell me that you might not understand how credit works and that there are absolutely NO quick fixes. The mistakes you've made, they will take a lot of time to un do. A lot of time. I'm not suggesting that you are doing anything wrong in your posting, you're doing every thing right in seeking guidance. It's a matter of trying to buckle down, and do the work required. You can not be impulsive with credit. You're going to need to pay down your debts, and probably pay off your negative accounts. The hard part is paying out money for items when you want that money for new things, or new credit, but it's what you're going to need to do, if the accounts are in debt, and old. Some of your accounts are probably recent enough that you might have better luck than most, if you work to get them taken care of now.
Creditors are not going to extend you trust when they see what happened to the folks that have done so already in the past. The creditors were not at fault for extending you credit, you were at fault for accepting it, at a time when you couldn't manage it. It happens. It happens a lot, to many of us. The situation you find yourself in now though, is that you need to either correct those issues and take responsibility for them, or keep trying to find ways out of them with out paying for them.. and frustrating yourself.
Read through these forums. If you have a question, it's possible someone has asked it in some way before you. Try to think to yourself first, before asking something if it is prudent, and the right thing to do. No one here is going to give you shady advice that relieves you of your responsibilities. They will only try to help you if someone else is doing something illegal.
If you are comfortable, lay every thing out in the credit building forum. Your scores, your current baddies- their amounts, dates, and who the creditors are. From there you'll get a lot of help on fixing them one by one. However, you are likely going to have to pay money out of pocket for some of them if you really want them fixed.
Again, if this is perceived in a way that sounds offensive and not well meaning, I apologize to you, and I ask that a moderator removes it. What I really want out of all of this though, is a concrete way to help answer all or most of your questions at once (or at least for someone knowledgeable to be able to do so)
625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700 Seedling again as of 07/29/14
Starting Score: 675
