Buy and hold start with no credit or money?

[Le'Cetra Arrington]

Hello, I am very passionate about buying and holding property, I am just not in a position to start. I have a couple of things that are in collections from my younger years, I am 24 now. I just moved out on my own, so money is tight. I do have a good job but I just can't seem to get a bank or credit union to loan me the money to start the buy and hold process. Can someone give me some advise?