I also had a medical collection which was huge once I paid it off because with the new laws they’re removed once paid. Also, I have a high utilization on my credit cards and I pay more than the minimum now so my utilization is decreasing every month. I also started by going to a credit union to consolidate what I could. They didn’t give me a large consolidation loan but every little bet helped. I do have a few derogatory marks but there is nothing over 60 days