Hello,
Welcome to the forum. You will need to list all your cards/bills along with what you owe and what’s in collections Or in charge off status. Someone will help you. They will just need more info. You will also need to pull your free credit reports from www.annualcreditreport.com
Good luck to you.
Welcome to the forum. You will need to list all your cards/bills along with what you owe and what’s in collections Or in charge off status. Someone will help you. They will just need more info. You will also need to pull your free credit reports from www.annualcreditreport.com
Good luck to you.
What I did was (and I started in the 500's like you) I went to my local CU did a Secured small loan (a 6 month loan) paid it off. Paid off my collections (I had 2 medical). I didn't have the history only bad things besides the Small secured loan to report so I opened a Secured CC at my local CU as well. When the year was up I upgraded my Secured to an Unsecured, refinanced my car down 13% and opened 2 Unsecured CC's as well because get this my score was now at 750 middle at the one year mark!!! You have to pay on your things early and PIF your Collections (if you owe them) to get them removed and PLEASE be sure if you do a PFD that you get it in writing they will remove it from ALL 3 CB's before or while you are on the phone with them! And be sure to not miss ANY payment or get behind or it will throw off your track 
That is what I did personally and I'm super glad I did. A few months after that I got my first home (in my name only) as well as I got a CL surprise from my Chase account and I opened another card (my Home Depot Card) after my home was finalized and got a super small SL but when I called right away they upped it to 5k in SECONDS! It's like Christmas!! ROFL just don't let things fall and you would be surprised how quick you can up your score! It will be a tough year tho if you are like me and try to get your CL under 8% or for them to collectively equal 8% 
Some people like the AZEO method but I noticed a bigger jump on mine personally when they all have some usage even if small to where they all work/add to 8%
If you can get your middle CAR SCORE to be around 650 I think that will be a good place to be at in regards to the vehicle part of it all but ideally if you can do a year that would be best it takes time to get big jumps and a year is actually 'quick' for some things
Start knocking off smaller Collections first and work on lowering your CC's in the meantime if you can do the Small secured loan at your local bank (I recommend CU) I would def. do that I think I did 500 or 600 I can't remember for 6 months. But def read the rest I put! The collections are hurting you a LOT and if you start with any CC doing larger payments work on the QS first! but still make on time payments for the other.
Sounds like you have a good plan just be sure not to let the CC fall back while you work on Collections or vise versa
@Girlzilla88 wrote:If you can get your middle CAR SCORE to be around 650 I think that will be a good place to be at in regards to the vehicle part of it all but ideally if you can do a year that would be best it takes time to get big jumps and a year is actually 'quick' for some things
I'm really going to try and push it to a year because I know things take time but it's excruciating slow process but I have to get better at delayed gratification instead of being a typical milennial and wanting instant gratification, thats how I got myself in this mess in the first place.
@Girlzilla88 wrote:Sounds like you have a good plan just be sure not to let the CC fall back while you work on Collections or vise versa
At this point I have no choice, better choices is going to be a better life in the long run. Plus I would feel like a fraud in the finance field and if I can hande my own finances. This is going to be a great learning experience. Definitely going to document it and i know this forum will help me tons!