I am needing advice with rebuilding/repairing my credit. I have several negatives on my credit. First off I will start off with the revovling accounts on my credit report. I currently have 6 revolving accounts.
The 1st one is a CC that was opened in may 2012 that is now charged off with a balance of $ 866. The last date that it was reported was 12/2012. I have received a settlement offer of $ 404.00 last week that I have not accepted.
The 2nd is a CC that was opened 4/2012 that is now charged off with a balance of $ 0.
The 3rd is a CC that was opened 12/2011 that that I agreed to a payment of $ 300. The balance was $ 501. ON the remarks it states account paid/less than full balance and settled.
The 4th is a Amazon store card with a balance due 1,228 with a high balance of $ 715 that says it is charged off. This card is reporting every month.
The 5th is another CC that reports a balance of $ 0 that is charged off. The last date that this card reported was 2/2015.
The 6th and last is a Store card that I agreed to a setllement, the original balance was $ 266 and I paid $ 150 back in 5/2013.
I also have 8 collections. Most if not all are medical:
The 1st one is medical collection for $ 425. It was placed for collection on Sep 30, 2013.
The 2nd is another medical collection for $ 50 that is only on my Experian account. it was placed for collection on Nov 11, 2008. This should be coming off soon.
The 3rd is a CC that I make monthly payments on and is also a judgement.
The 4th is a medical bill on my son for $ 85 that was for 11/28/2011. It was placed for collection on Feb 17. 2012.
The 5th is a cable bill for $ 61 that I could pay but I wanted to see if I could do a PIF or PFD. It was placed for collection Aug 20, 2013.
The 6th is another medical bill for $ 363. It was placed for collection on Aug 13, 2013.
The 7th is another hospital billed for $ 233 that was placed for collection on Aug 13, 2008 This one is coming off soon as well.
The 8th is another medical bill for my son that is $ 124. It was placed for collection on Apr 18, 2012.
I know this is alot and I am very confused on where to start. We went through a rough patch in 2012/2013 where my husband lost his job and was unemployed for 8 months. Any and all help and advice is welcome. I also have 29 Satisfactory accounts that are all installment accounts. 13 are actually student loan that I am still in grace period but I have made a couple of payments towards interest. The 13 student loans are all transfered into one loan and I will only be making one monthly student loan payment.