How can I improve my credit & eliminate?

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start with the smallest collection account and pay them off and work your way up. That is the only way your scores increase. Call your current card providers and seek increases in lines and do not charge over 30% of the available limit
I am a mortgage banker in TN & KY

First, pay off what credit cards you do have. Use the cards and pay them in full every month. This will build your good payment history.

Get a copy of your credit report (AnnualCreditReport.com) and see what shows. Work on settling the derogatory items. Start with the newest and work back to the oldest. If you have single entry items, like medical or utility bills, ask for a delete for pay — you pay $x and they delete the item from your file. This will help your score. However it doesn’t work as well for regularly reported items like credit cards. Collection agencies can only remove what they report. The original creditor’s charge off will remain.

Get a written settlement agreement before you pay anything. Do not give the collector direct access to your bank account. If the debt is over 3 years old, offer 25%; 2 or 3 years old, offer 50%; less than 2, offer 75%. Lump sum gets the best deal. Payment plans have to be short term.

Paying off old debt won’t increase your score unless you get the item removed. However, paid old debt looks better than unpaid.

You need at leasts 24 months of consistent, on time payment history to improve your score.