Messed Up in 2021 - How Do I Tackle This Debt

[kredit4koral]

I was on track for credit building and repair, had all these CCs that was supposed to be building my history, and wam bam messed it all up in 2021. Setting up my budget for 2023, I am making this debt a priority and going to start working on my credit again. ANY advice would help. All these charge offs, whats the best plan of action? I want to buy a house in 2024, my scores are all in the low 500s.

CREDITOR	OC	TYPE	EX	TU	EQ	AMOUNT DUE	DOFD	TRANSFER STATUS
Bay Area Credit Service	ambulance	collection	X		X	$                    864.00	6/30/2017
Sequium Asset	Cox	collection	X	X	X	$                    384.00	8/8/2022
Merchants Credit	Virginia Mason	collection			X	$                    805.00	7/24/2020
credit one	credit one	credit card - charge off			X	$                    672.00
Kohls	Kohs	credit card - charge off	X			$                    381.00	2/28/2021	Not Sold
Merrick	Merrick	credit card - charge off	X		X	$                    923.00	3/31/2021	Not Sold
Opensky	Opensky	credit card - charge off	X	X		$                    150.00	3/31/2021	Not Sold
Target	Target	credit card - charge off	X	X		$                1,346.00	5/31/2021	Not Sold
Spring Oaks	Indigo	credit card - charge off		X	X	$                    657.00	5/31/2021	Sold to Collection - On CR
Spring Oaks	Upgrade	Loan - charge off	X	X	X	$                3,709.00	3/31/2021	Sold to Collection - On CR
Numerica	Numerica	Car Loan - Repossession	X	X	X	$                5,551.00	8/31/2022
Fingerhut	Fingerhut	credit card - charge off	X			?	2/28/2021	Sold to Collection - Not on CR
Citi	Citi	credit card - charge off		X		$                      51.00	8/31/2018	Not Sold

[FireMedic1]

Welcome to the forums @kredit4koral 

Dont stop paying the monthly's for one. Who are the collection agencies? You might have some that PFD once settled. The CO status wont go anywhere. How much do you have to apply to the debts once the CA's are done.

[Xarquinn]

I would tackle Sequium/COX as it is the most recent other than the repo.  For the rest, assuming that you do not have any current open tradelines, I would open a secured CC and a secured credit builder loan.  Would probably see a bigger jump in score than using the money toward paying off the collection accounts.  Once your SOL hits you can probably settle the remainder for much less than is owed in exchange for a deletion.