What time you guys! So I am currently in a financial situation where I really want to fix my credit. I have to school loans for the total of $7000. I have a car loan for the total of $20,000. And also a couple of cards in collections for the total of $5,000. I would like to know what are the first couple of steps that you guys recommend in order for me to pay off my cars in collections and show that they were paid off I’m full. Or how to delete them off my credit coming into a agreement with the collection agency. I really want to refinance my vehicle but I want to know what you guys recommend. I have a secured credit card with patelco and my credit score right now it’s the beginning of 600. Please help me !