<prompt> Human: I have somewhere around 10 accounts in collections from being careless after college, and a few from when I thought that a few medical bills were covered by my insurance but were not. I have around 3k in collections. I have 100k in student loans. Ive been paying my loans on time. Besides that I have no car payments, mortgage, etc. The only credit account I have is a Harley-Davidson secured card with a 300 limit. I utilize 30 of it and pay it off immediately. Ive had it for two months now. In September my score was 421 and I was denied a Capital One secured card. I re-applied today and was approved with a 200 credit line 49 deposit. Aside from what Im doing now, what can I do to improve my score and overall credit? A majority of the collection accounts are a few hundred bucks at most while a couple of the medical bills are over 1k. I cant really afford to pay off the larger ones right now. I may be able to pay a few smaller ones off over time and be sure to get a PFD if that will help. Any other suggestions?  <response>: Your credit is going to remain poor so long as those multiple defaulted accounts are still being reported. 