Happy Sunday,
Get into a little a bacground on my current situation. 24 year old graduate student ( starts in 2 more weeks 
) and i am trying to rebuild my credit. Lets start in 2012 i was working and using my finainical aid to support me and son ( stayed with my mom). Walk into Welld Fargo got push into a credit card ( and me thinking i could be responsible refund was pretty nice 4800) well one led to another and i couldn't pay it off then had a mishap with my checking account where they closed it and cancel the card completely since the account was closed.
Well a couple months i called to try to see what i could to get it off my credit and pay what i owed. The woman i spoke with stated that she i could pay it off over months and that the payments would start in October. Well little did i know that in reality she meant my second payment would be in october and my 1st was the end of september well i missed the pmt and then when i tried to call the lady told me the account would be sold and it was nothing she could do. ( Account is still showing WF as the OC and nothing in the remarks states sold or transferd
)
Now that i just purchased a new car ( totaled my 05 Civic 
) and appiled with Cap1 secured credit card, NavyFed secured card as well a JcPenny store card( for my son school clothes). In the next 6-8 months i want to refinance w/ NavyFed and start building my credit so i can purchased a house by the time im 30.
( This info is from IDProtect through my CU TexasTrust)
My Credit Profile:
TU: 10 derog accts
EQ: 11 derog accts
EX: 11 derog accts
TU: 584 (IDProtect)
EQ: 517 (Pulled 3/23)
EQ:539(Pulled 3/23)
My EQ might be lowered then that 37 IQ from my car
WF CC Charge Off:
CL: 700
High Balance: 977
Amount PD: 937
Don't know which amount should i do for a PFD so i just get this off
Resident Collect:
Bal: 2193
I moved out from apartment and our apartments were supposed relase me from the lease since my new apartments wouldn't do it until they release me since my mom lease wasn't up at the time. When the lease was up and my mom moved i see this on my credit in march when i pulled my scores.
DIVERSIFIED (Sprint):
Bal: 374
Heard something about this company need to know how to handle this.
STANISCCONTR:
Bal: 245
Have anyone heard of them?
SOUTHWEST CREDIT SYSTEAMS:
Bal: 105
Can i just pay AT&T and have them recall the debit?
AD ASTRA RECOVERY:
Bal:440
Me being dumb got caught up and owe speedy cash.
KROSS/LIEBERMAN & STONE:
Bal: 216
Daycare bill didn't know they charge me still when my child wasn't there.
The rest on my profile are medical bills from 2010/2011 which i can DV them using the TX Financial Code and try my luck that way. I just want to get an idea or tip on where to start and what would be the best way to tackle these. I am getting my refund and i work so i have enough to do PFDs and go thay way. And i was thinking of offering 40% of the payment to clear the accounts, will that be a good starting point? And also should i take a settlement if one is offered?
Thank You for all the help,tips and tricks i am just trying to get myself back on track. 