credit issues

I spent my first few adult years spending more than I obviously made, racked up a $1000 dollar credit card debt plus several other unpaid bills. I am now in a place where my credit isn\'t even good enough to get a bank account and this is having a significant effect on my financial status. I just want to clear my name and build a better credit score and start over. I do have a current auto loan and it is the only thing that I am 100% current on. The last year and a half I have been making sure my bills are paid on time, and am focused 100% on making things right. In the past I have tried to pay back my unpaid credit card debt by allowing them to take $100 dollars per month from an account, but they overdrew my bank account on the third month when they took out $300 dollars instead of what we had aggreed on, this just happened to be during christmas when I had no extra money causing my account to be closed. since then I have had to use check cashing facilities and money orders to pay everything. I just want to know what I can do to make things right.

Thank you for any information that you can provide!

Brandon Brooks ~