I tried to repair my credit?
This is on my credit report
Percentage of credit currently available is 15.5% it was 100.00%
Satisfactory account 35
Now delinquent/derogatory accounts 0
Was delinquent/derogatory accounts 2
Public reconds 0
Number of inquires 15
Real estate debt $ 0
Revolving debt $ 281(bank and retail card)
Installment debt (fixed payment loan) $ 9,073
Other debt $ 0
Collection debt $ 1,586
Total $ 10,940
Is this good or bad, I do have charger-off, bad debt, If I pay some of them will my score go up. Some one explain this to me.