Credit Help Please!!! Desperate!!!?

Ok, I’m 23 and have bad credit. It is mostly unpaid medical bills and a few stupid mistakes I made when I turned 18 i.e. gym membership, credit card, utilities, eviction. My new year’s resolution is to take charge of my life and one aspect being my bad credit. I have a copy of my free credit report and it lists all of the negative accounts I have. I just don’t know where to start. Should I start with the cheapest and work my way up, split the payments to all of them at the same time? Should I try to lower them and talk them down? Or just ignore what I owe being 3 years ago and take out a credit card and using it wisely? I would like to do it on my own and avoid credit agencies…

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