Raising credit score?

i have the worst credit ever. i've never had a car or home loan. i have 2 credit cards that i stopped paying on & were charged off 3-5 years ago, but I still get letters from collection agencies for them, trying to get a settlement payment. i have other chargeoffs from catalog companies from about 4 years ago.... show more i have the worst credit ever. i've never had a car or home loan. i have 2 credit cards that i stopped paying on & were charged off 3-5 years ago, but I still get letters from collection agencies for them, trying to get a settlement payment. i have other chargeoffs from catalog companies from about 4 years ago. I am just a screwup I guess & in my twenties, on my own, barely had enough to pay my bills and wasn't able to live within my means. Plus I have student loans (public & private) I will be paying off forever, and I still don't make enough. How can I get my score to where I will be able to get an apartment that requires good credit, a car loan within the next year, and continuously raise it so I can buy a house within the next 5?
12 answers 12