As the title pretty much states it all, I need help/guidance fixing my credit. Let me give you a quick rundown of what I'm dealing with. I had amazing credit (730ish score), before I turned 22-23 from there everything went downhill, and has caused me to just go into a depression when looking at my credit score. I became unemployed for a short period of time, and all my accounts I was carrying a balance either go charged off or went to a collection agency. Now that I'm back on my feet I want to get this repaired without having to keeping running away from this issue. I have a steady income now, and can make payments if needed. I just overall want my score to go back where it was, and I have even go far as paying SkyBlue Credit Repair for 6-7 months without any results. I've got to a point in my life, that without credit in today's society you cant progress any further.... I have listed some of the accounts that went into collections/charged-off. Hope someone can leead me in the right direction on how to tackle this... THANKS IN ADVANCE!
AMEX: Charge-Off/Collections (True Accord) $2512
Cap One : Charge-Off $1945
Chase: Charge-Off $865
Discover : Charge Off $628
CitiBank : Collections (Midland Funding) $3530
I have pulled these amounts, and info from my most recent Experian Report, like I previously stated I have no issue paying this balances off in payments in order to get these settled, and removed from my credit report.