Answer: -There isn't any quick way. Only time heals your credit, plus you have to pay everything off. However if its more than a year old, you can sometimes settle for a small percentage of the total, which makes it cheaper and faster because you can close it all off as PAID. Once paid, you can get new credit (at a premium price) to replace the bad stuff.Just be sure you've learned how to manage your money first. If you aren't saving 10% or more of you net income every month, you haven't learned how to manage money yet.If you settle it all out, and get new credit, you're looking at about 2 years to okay credit. Quite frankly a BK will do it just as fast. -You have to raise your fico score first,Try to be in the 690-fico score-good credit-delinquent bills not paid and sent to collection stay for up to 6 years even if you pay them so if you have a collection unpaid over 1 year -leave it and wait no choice.Make sure you are below your credit limit before your due date-then wait 3 days later and do your fico score-If you are unclear about this -e-mail me and I could explain in more detail. -The quickest way is to get your credit balances down below a 50% balance and make your payments on time. You DO NOT need to pay them off to help your credit. Do not close any account unless they are collections as well. PAy off any collections. -Pay your bills on time and if you have some extra money pay more on your bills to help pay them off faster.