Welcome to the forums!
I'd suggest reading the following:
Common Abbreviations
Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.
What Steps Do I Take - great for learning the repair process.
and Example letters - PFDs, GWs, DVs, etc.
First off, ignore that score. It isn't a FICO score. Your EX FICO may actually be higher. Other than myFICO.com, you can get your EQ FICO from Equifax.com or from your lender. Other than myFICO.com, you can also get your TU FICO from transunioncs.com (note the -cs) and from your lender. Finally, as of last year, Experian no longer allows consumers to pull their own EX FICO score, but you can get it from your lender or on your checking statement if you happen to have a checking account with a CU in PA called PSECU. Any other score from any other source are not FICO scores, but a knock-off we call FAKOs. Lenders don't use these FAKO scores.
Next, watch our for your state's SOL. Each state has it's own statute of limitations on unpaid debts. Doing anything to these debts (e.g. sending letters, offering to pay)will increase collection activity. If inside SOL, you could get sued. If SOL had not expired, then make sure you have the $$$ to PIF if you had to saved up so you could PIF to stop any judgment from appearing if it ever came to that (not likely). IF SOL had not expired or if you don't have the $$$ to PIF on any given debt, then wait it out. SOL goes off the DOFD. You can find DOFD on your reports if you pull your free ones from annualcreditreport.com.
What to tackle first? IMO, go after the newest debt as those are most damaging. Per FICO scoring, it doesn't matter if you owe $0 or $10,000, the damage is the same with regards to collection or charge-offs. Snow ball method is great, but IMO, on a scoring standpoint, it is best used on open and active account slike your SL. A $0 collection is equal to a $10,000 as mentioned with regards to FICO.
You may want to start with a CC first. IMO, visit your local CU and ask if they offer secured credit cards. If you app right now, you'll very likely get denied due to not having any credit and your payment history. A secured card would limit the damage to one inquiry and you get to control the CL. And it doesn't matter hwat that CL is. FICO doesn't care if it is $100 or $1000; FICO only cares about the balance that reports in relation to that CC's CL. So, it is equally beneficial to have $10 report on a $100 CL CC as it is for a $100 balance reporting on a $1000 CC. Higher CLs are easier to manage though. Getting this first CC to report will be a big score booster. A second down the road will help too, though I'd focus on repair first before the second.
1) With the SL, send a GW letter asking them for a favor in removing any lates.
4) & 5) If CapOne is reporting a balance, then they didn't sell the debt but will usually assign a CA to collect for them. They still own it. CapOne LOVES to sue. They love to sue right up to the SOL. If they are reporting a balance, I would save as much as possible and PIF or settle with them on both debts. It is extremely rare that they accept PFDs (I don't recall any). Your best bet is to pay them off and send GW letters. I would pay in one payment. Don't send payments overtime as that might reset your SOL each time. I'd PIF to improve the odds of getting a GW accepted, or you could try to negotiate (they will). A remark on your credit report of "paid for less than full" or "settled" is a negative, score-damaging remark. However, if you PIF they'll say "paid charge-off" which is just as bad.
Now if CapOne reports $0 on both, then ignore CapOne for the moment and send a DV to the CA. If they verify and you agree, then send a PFD with your $$$ offer. After it is paid, then you can send a GW to CapOne.
6) Gym - If the gym is reporting a balance, then they own the debt. You'd want to then send a PFD. If they aren't reporting and the CA reports, then send a DV. If they verify and you agree, then send a PFD.
7) & 8) Utilities - If they are reporting a balance, then they own the debt. You'd want to then send a PFD. If they aren't reporting and the CA reports, then send a DV. If they verify and you agree, then send a PFD.
9) & 10) Cellular - If they are reporting a balance, then they own the debt. You'd want to then send a PFD. If they aren't reporting and the CA reports, then send a DV. If they verify and you agree, then send a PFD.
2) and 3) Medical - Two options: follow HIPAA or do the DV-PFD combo. If you follow the HIPAA process (google HIPAA process for more info), then it usually involves paying them (the OC, not the CA) in full and then starting the process. If you go the DV-PFD route, then send a DV to the CA. If verified and you agree, then send a PFD.
ETA...out-typed by MVV!
