Cheap Debt Consolidation Loan

Please help! Need to fix bad credit!?
I am desperate to begin fixing my terrible credit and not file bankruptcy. I incurred alot of credit card, financial loan, and medical bill debt a few years back. I used to not care but now that I’m all grown up and have a good job I want to fix my credit and be responsible. Should I pay off small balances first? or make payment arrangements with accounts with most recent activity? Is debt consolidation with a company a good idea? Help please! I want to fix what I screwed up when I was young. Anyone who knows about this or even better, anyone who has been in my situation I really appreciate the advice! My credit score is only arround 550, and I can’t even get a cheap car and I make fairly decent money….
make a list of what you owe. pay off the ones with the lowest balances first. realize that this process might take you months or even years, depending on your income and the debt that youre in. good luck
8. Debt Consolidation – savingandinvesting.com