Charged off meaning the company you had the card with closed it as bad debt. Also you might want to list who these cards are with and the amount you owe on them.
Starting Score: 494 503 521
I think the most important thing you can do is not panic and have a plan. Actually right it down and plan out a schedule.
I would start off with a couple of secured credit cards, capital one and discover to start. Start with the minimum deposits, wont matter that much if you get a $200 limit or $2,000 limit at this time.
Sign up for a self lender account, lowest plan $50 a month for 12 months and then they send you a check for $600, total cost of this is $15, worth it in my opinion.
Use the cards for 6 months and never exceed 10% of available credit.
After 6 months apply for 2 more secured cards, all major banks have them BoA, Wells, Citi, etc.
Sign up for a credit monitoring solution, lots of them to choose from around $20/mo, keep track of all your information.
While your credit is slowly building back up, you need to close down the collection, look for threads on how to speak with collection companies.
Good Luck
