As much as you came here to rebuild your credit and our goal is to help you get there, you need to put that task on hold for a while. Settling your debt at a discount revolves around the concept that you can not pay your bills in full. Rebuilding your credit neccesitates paying your bills on time. You can not do both at the same time. If you tried the creditors would say that you are paying other bills, you could pay them too and not grant you any discounts. Leave your credit resting in the dump heap a bit longer. Let all of your old debt get settled and when all old debts lie behind you return here and start the credit rebuilding process.