I want to get my credit back on track. My score is 520 but I have $22K in collections. All 14 accounts are in collections, none are in good standing. All 14 are unsecured credit cards. All info is accurate so I can't dispute it - I am aware that it is my debt and I am responsible for it. Last payments on any account were made around July 2018 (19 months ago). I want to begin to pay off my debt, but do it in a way that will restore my credit also. I ran all 3 credit reports and made a list of all of my creditors names, phone numbers, current balances, along with original balances.