Credit report help?

I have 3 negative items on my report. 1 for 388.00, 1 for 429.00 but the company will settle for 190.00, and 1 for 160.00. The 3rd is a medical bill. My question is if I pay all of these in full will it repair my credit or make it worse? I just bought a car and my interest rate is really high. I want to repair this and hopefully refinance the car loan for a better interest rate.
TIA

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