It seem like you're doing everything right, so far.
I wouldn't waste your time paying on the collections who aren't offering a PFD right now. Instead, focus on the ones who are willing to PFD.
You didn't mention if you have offered (or been offered) settlements for these accounts. There's no reason you should be paying 100% of the balance. If the collections are a couple years old, chances are you can settle them for around 50% of the balance.
$9k is a much easier pill to swallow than $18k. And you can still set up a "pay over time" agreement even when you settle for less, though most collection agencies will offer slightly lower settlement offers if you can pay the whole settlement amount at once.
Once you've negotiated a low settlement for a CA that is offering a PFD, and set up a payment plan with them that you can afford, pay those off first. Ignore the ones who refuse PFD, for now. Once the ones who offered PFD are finally paid off, then you can restart your negotiations with the remaining ones for PFD. Eventually they'll usually cave, but you have to be the one with leverage. If you're paying them anyways even without a PFD offer, then you have no leverage. They need to know that the only way they're getting paid is if they offer a PFD.
It is also worth looking into the Debt Snowball technique, which basically means paying off the smallest accounts first. Save the biggest creditor for last. You may have to adjust the technique slightly to account for creditors who aren't offering good settlements or PFDs yet - save those ones for last even if they're smaller than others.
Total Loan Balance: $43k / $65k
Total SL: $78kI also want to add one more note - don't focus on "rebuilding" yet. You've already got a few open accounts with good payment history, so just focus on keeping them in good standing, and getting rid of the old bad accounts. You shouldn't apply for ANY new credit until every single collection is dealt with (whether that be paid and deleted, or just paid but not deleted). Eventually, if your only remaining collections are still not offering PFD, you might have to just bite the bullet and pay them anyways so they quit reporting every month.
The moment your last collection is dealt with, you'll see your scores skyrocket, probably into the 625-650 range. At that point, you can start rebuilding and looking at some new accounts. But before that point, it would be a bad use of your time and money to seek new accounts.
I have a repo on mine and I haven’t even attempted to pay it. I have been paying off all the other ones and to me I don’t feel it would make a difference because they report to the credit bureaus even if you don’t pay. I say pay what you can in full and handle the other later unless You feel they may sue you for it.
Starting Score: 494 503 521
Knock out all the little ones first, do the big one last. Your credit report/score does not care if you're making payments towards your collections balances, it only cares how many collection have a balance. A collection balance of $1 is treated the same as a collection balance of $12k.
So the best way to help your scores right now is to reduce the number of collections that have a balance. If you can get that number from, say, 6 or 8 or however many you have, down to just 1, then it will help a lot. And then, you can focus all your energy (and money) on just dealing with that one last collection, instead of trying to divide it all up among all of them.
Edit: and I agree with what the person above me said, if you are getting sued, or threatened to be sued, by any of them then you should deal with those first. Is one of them a Discover card by any chance? If so, make them your first priority, because Discover is very, very lawsuit-happy.
Discover would nice to me because I defaulted in 2017 and didn’t pay them off until this month but yeah I had 24 accounts to pay and now down to 7 with the repo still reporting and my score has gone up as I go along I can probably get to the 600s before this year is over.