I have about 15000 in charged off debt that I got over the course of about 2 years in college. 5 accounts are low balance credit cards that have been sent to collection agencies, and charged off as bad debt. this is about 9000 worth of my debt. I also have a couple of 500 dollar collections from cell phone providers that I screwed over while in college as well. I want to get some help repairing my credit but I don’t know where to turn to. I can’t finance anything with how bad my credit is. any input would be great. By this time next year I want to be at least 100 points higher and have most of this bad debt settled.