How can i raise my credit score if i have 6 accounts in collections and i am paying on a student loan?

…it seems similar to starting by the debt settlement, or consolidation, or traffic is something we can do upon my own, i’m only not certain if this will displace my assign measure if all my accounts have been 2 years past due as substantially as we have no stream open accounts. we can’t modify get authorized for an unsecured assign label to progress my assign score. Please Help!