How to Raise Your Credit Score

Pay your credit card down to $10 balance every month.

Everyone is giving good advice, but one thing I may have missed from other posters is as follows...
Know when your CC is posting its monthly update and reports to the credit bureau, if its say the 5th of every month, pay off as much as you can to bring down your Debt To Income ratio. Let your score reflect the lower balance and you're good for the next month. Since you're having trouble keeping up with the payments, sounds like something is going to have to be sacrificed until it gets under control. This is one of the hardest parts of getting out of debt, btw... make a budget and figure out where you're truly letting your money go down the drain.
I hate missing out on a cup of coffee in the morning, but every cup of Joe added up, create and stick to your budget, I can now successfully budget my coffee into my monthly expenses.

Also base your total expenditures to 80% of you gross income instead of 100% of your gross income and build an emergency fund.
Always remember there are two types of interest, the interest you earn and the interest you pay.
Get to earning your interest.

35% of your score is made up of Payment History - that means keep your positive accounts in good standing and if any accounts have late payments or are in collections, call LexingtonLaw or a credit repair company that can help. They work to remove negative items. Paying them off doesn’t raise the score and the items stay for up to 7yrs whether you pay them or not. Removing them can help better the score.
30% is made up of your Credit Utilization - or the amount you carry on your CCs. Keep the balance as low as possible. The only reason people say to keep a balance is to keep the CC from closing the account but this can only happen if you never use your card. So use your card often, but pay it in full before the due date to prevent paying interest.
15% is made up of Credit Age - or how long you’ve had accounts open. CCs are usually great for this because they never close (as long as you don’t close it yourself or the company doesn’t close it). Loans will eventually end and acune your age is an average of all of your accounts, closing or paying off loans can lower that average. So never close accounts and avoid small loans that get paid off quickly.
10% is your Credit Mix - this is the types of accounts you have. The more diverse your credit it, the better the impression the lender gets because it shows you can handle different types of accounts, car loan, home loan, CC, and maybe a personal loan. That’s all you need.
10% is New Credit or Inquires - simply put, don’t apply for anything unless it’s necessary. More than 4 inquiries in a 2yr timespan makes you look like a high risk.

I’m a credit consultant with LexingtonLaw by the way, for the past 6yrs. Hope the information helps!

I haven't been approved for a credit card. So I wouldn't know the answer

Have you tried annualcreditreport.com and screenshot your debt collectors and send them a letter to Equifax, TransUnion & Experian? I have the information to provide the help.

By paying your bills

Re: How to Raise Your Credit Score

Done

Como puedo arreglar mi crédito

Pay off all late bills