u/Wonderful_Aspect5121

Coming out on the other side of the tunnel of the darkest period of my life and dealing with the fallout of neglected finances right now.

Using Experian to monitor my credit, currently at 541. A number of charge offs and derogatory marks as follows:

11.3K charge-off Capital One

3.2K charge-off BoA

5.2K charge-off Chase

$338 in collections Caine and Weiner from Progressive

$450 in collections from Paypal but not appearing on credit score

I've currently got an Amex card with a $1,000 limit that's maxed out and that's it.

Surplus income is about $1,400 monthly, and I need to purchase a vehicle soon to get to work, although I have a support system for this in the interim.

What the heck do I prioritize here?