....And I'll kick it off....
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.
I came on here 3 yrs ago with FICO scores in the low to mid-500s and within a year, I was poking 700. I definitely know you can rebuild your credit and you can do some bragging of your own if you want to.
What I suggest is to read through the above. It'll certainly help. And post new threads, like the one you just did and maybe list 2-3 baddies at a time. That'll keep your posts short and you'll attract more of an audience and more help (vs. posting everything).
Before beginning, I also suggest you pull all 3 reports directly from the CRAs (get it for free via annualcreditreport.com) and those reports have info you cannot find anywhere else and are necessary in tackling baddies. I also suggest, if a FICO score is important, to pull both your TU and EQ FICO scores from here (you cannot buy your EX FICO from anywhere) and you'll have a good starting point by which to work off of. Also, your FICO reports will list, in order, what harms your score the most.
Do you have 2 or 3 baddies we can help you with now?
