[21&Focused]

I'm here to seek advice for repairing my credit before it gets completely out of control. Being young and dumb is my story and I'm sticking to it.
My credit report shows as follows:

1.) Jefferson Capital System - collection account
I've tried contacting them and negotiating, but no luck. I wanted it removed after full payment. So with no luck there I set up a payment plan to have it paid off in about 4 months. GOOD or BAD? Are there any steps I can take during payment or after full payment.

2.) RJM ACQ LLC - Paid,Closed/Collection Account
This account is paid in full and I've received a letter saying they will remove it from my CR in the next 45-60 days. That was two weeks ago. If not removed within that time frame, what should I do?

3.) WACH/REC - Account Charged Off
Been in contact with Wachovia and they said they couldn't remove the debt because that would be "falsifying documents". So after going in circles with them we came to a payment schedule over the next five months and the rep said it will be "Paid In Satisfactory". GOOD or BAD? Any other steps to take?

4.) Florida Commerce Credit Union - Account charged-off
I've just paid this account last week. I'm not sure how it's going to be reported. Is it possible to open another account with them to get this account removed?

All advice and suggestions are welcomed. Thanks ALL.