My credit is very bad -I’m in debt and behind on my payments- is it better to….?

Go through those debt consolidation services ( i don’t qualify for a loan) or do credit repair.
I did debt consolidation once like 7 years ago but it says on your credit that your account was closed off because you’re in this program. But I don’t know how credit “repair” works….
Also, can charge offs be put into the debt consolidation programs?
I really want to fix my credit as much as possible and was on disability for like 2 years and that messed me up plus I’ve been going through a bad marriage and now a divorce but none of these are joint accounts.
I live in CA

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