How can you repair your 510 credit score when you have 2 chargeoffs and 5 accounts in collection?

You need to pay off all the old accounts. Then wait. It takes time to get your credit back on track. Agencies report the last 7 years. People who are willing to give you a loan will see all 7 years, but look the most closely at the last 2. If you could get a secured loan and pay off the old debt, that would help improve your credit faster. You need to work really hard in cleaning up your old debt. Two reasons people don't want to give you a loan when you have old bad debt is, it shows they might not get their money either and it also concerns them that if the old debtors sue you for collection, you may not be able to pay the new loan. Paying on time and patience are the only ways to improve credit. Good luck