*UPDATE*
My Experian score has raised to 562 from 553 with the approval of the CreditOne account!! Yes!
Because of this I got app happy and applied for the Amazon store card and was DENIED. I won't apply to any others until I have a zero balance on my FNB secured card as my report is currently showing 112% utilization, which is not current.
My two focuses are pay off the collection debt from my school and pay down my secured FNB card. I would like to do a PFD scenario for the collection debt if possible, any good advice to go about this?
Thanks so much! 
Good afternoon poeple!
I wanted to give a more updated and in depth snapshot of my scenario and (in progress) action plan in hopes of some valuable insight to achieve my goal of at least mid 600s by this time next year. I know I have been irresponsible and want to make a conscious effort to correct mistakes I made when I was in my early 20s. Any suggestions in addition to what I have added is GREATLY appreciated! 
For the paid collections accounts I plan to GW the hell out of them in hopes of getting removed. I also plan to negotaite a PFD with Chase, Credit Untion and Discover CC CO in hopes of dropping utilizaiton and boosing score! I called Chase today to tackle since I can afford 30-50% today but they are not open. I think with those 3 and praying for a GW removal I can acheive my goal. I have also just been approved for a Credit One unsecured CC with $300 limit, so that should be added to report fairly soon.
Any sound advice that I may be missing would help me tons, I have read so many stories and advice here that has been helpful and boosted my confidence in going after a 700 score. At my best I was a 695. I'd like to have an AmEx card in my wallet by 2018 and be in the 700s!
Equifax-553
Revolving accounts- 4
FNB Secured CC- Open- Paid on time- opened 07/2014
CL:$1300, current balance: $1308 (actual balance is ~$900)
Chase Bank CC- Charged Off (set to come off 07/2017)
CL: $400, current balance: $607
Discover Bank CC- Charged Off (set to come off 07/2017)
CL: $1000, current balance: $1409
Arizona Credit Union CC- Charged Off (set to come off 12/2017)
CL: $1000, current balance: $1000
Installment accounts
Santander Consumer Auto Loan- Paid on time- opened 08/2013
Balance: $13779
GMAC Auto Loan- Charge Off (set to come off 04/2017)
Balance: $11360
AES Student Loan- Current (Late 9 times)
Balance: $43000
Collection Accounts- 5, 2 paid
Portolio Recovery (former CapOne CC, set to come off 01/2017)
Paid in Full
Fair Collections (former Sure Deposit)
Paid in Full (assigned 07/2014, so I assume around 2021 when removed)
Century Link- assigned 01/2015
Balance: $215, have been disputing this as it was settled with Century Link
Portfolio Recovery (former CapOne CC, set to come off 01/2017)
Balance: $1,189
General Revenue Corp (former school debt) assigned 08/2015
Balance: $1,912
Transunion- 557
Revolving accounts- 5
FNB Secured CC- Open- Paid on time- opened 07/2014
CL:$1300, current balance: $1308 (actual balance is ~$900)
Chase Bank CC- Charged Off (set to come off 07/2017)
CL: $400, current balance: $607
Discover Bank CC- Charged Off (set to come off 07/2017)
CL: $1000, current balance: $1409
Arizona Credit Union CC- Charged Off (set to come off 12/2017)
CL: $1000, current balance: $1000
Best Buy/Cap One- Paid/Closed-opened 07/2007
Balance: $0
Installment accounts- 4
Santander Consumer Auto Loan- Paid on time- opened 08/2013
Balance: $13779
GMAC Auto Loan- Charge Off (set to come off 04/2017)
Balance: $11360
AES Student Loan- Current (Late 9 times)
Balance: $43000
Navient Student Loan- Current- never late
Balance: $49000
Collection Accounts- 4, 2 paid
Portolio Recovery (former CapOne CC, set to come off 01/2017)
Paid in Full
Fair Collections (former Sure Deposit)
Paid in Full (assigned 07/2014, so I assume around 2021 when removed)
Portfolio Recovery (former CapOne CC, set to come off 01/2017)
Balance: $1,189
General Revenue Corp (former school debt) assigned 08/2015
Balance: $1,912
Public Record
Filed 04/2012 for Discover Bank CC
Balance: $1,409
Equifax- 549
Revolving accounts- 5
FNB Secured CC- Open- Paid on time- opened 07/2014
CL:$1300, current balance: $1308 (actual balance is ~$900)
Chase Bank CC- Charged Off (set to come off 07/2017)
CL: $400, current balance: $607
Discover Bank CC- Charged Off (set to come off 07/2017)
CL: $1000, current balance: $1409
Arizona Credit Union CC- Charged Off (set to come off 12/2017)
CL: $1000, current balance: $1000
Best Buy/Cap One- Paid/Closed-opened 07/2007
Balance: $0
Installment accounts- 3
Santander Consumer Auto Loan- Paid on time- opened 08/2013
Balance: $13779
GMAC Auto Loan- Charge Off (set to come off 04/2017)
Balance: $11360
AES Student Loan- Current (Late 9 times)
Balance: $43000
Collection Accounts- 4, 2 paid
Portolio Recovery (former CapOne CC, set to come off 01/2017)
Paid in Full
Fair Collections (former Sure Deposit)
Paid in Full (assigned 07/2014, so I assume around 2021 when removed)
Portfolio Recovery (former CapOne CC, set to come off 01/2017)
Balance: $1,189
General Revenue Corp (former school debt) assigned 08/2015
Balance: $1,912