How to repair and raise my credit score from a 548 – 700+

I came across your website and I wanted to ask you a few questions about repairing my credit score. In my credit, I have 2 credit cards that had went to collections because they were over the limit and that was many years ago. 1 credit card is in the charge-off status and it says potentially Negative closed. The other credit card is in the same state, however they were passed off to collection agencies which are listen on my credit for cheaper amounts than what the credit card was. The greatest debt of all I have is my student loan in which I understand that that should be #1 to get paid off. I’d like to ask you what exactly can I do to raise my score from a 548-700. I don’t have any new lines of credit.  Please help me  and or point me in the right direction. Thank you very much.

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well you hit the nail on thee head at the end
you have to have 3 to 6 lines off open rated credit, car loans, home loans, credit card, student loans,
 
sounds like you have student loans. I would try to catch that up as fast as possible and pay that sucker on time
in 12 – 24 months this will help your score
 
then I would try to get a credit card by credit score off my site
 
then i would dispute, validate, negotiate or pay to get the collections and credit card cleared up, totally removed, or at least makred as paid in full

How to repair and raise my credit score from a 548-700+