Fixing Terrible Credit, but small outstanding debt

[Beau R.]

Hi,

I'm 26 years old and my credit is very bad, about a 400 Fico score. I ruined my credit during some rough times about 2 years ago, but have rebounded to put myself in a pretty good position. I'd like to start investing in real estate in 1-2 years. Although I don't make a lot of money, I'm extremely frugal and live in one of the lowest cost of living areas in the entire country, so I'm able to sock away $500+ every month. I actually have enough in cash to pay off the entirety of my debt (except the student loans) right now. I also invested in cryptocurrency in early 2017 before that market took off and have about $25,000 worth of cryptocurrency that I can partially withdraw to help build my credit. 

I have about $20,000 in student loan debt which has been on Income Based Repayment at times, although it has never been in default.

Aside from that, I have two credit card debts that are currently with collection agencies of about $1,200 and $350 each and about $200 more in miscelaneous debt with a collection agency. I was also frequently late with utility bills 2-3  years ago, although that has not been a problem lately.

 I'd like to get myself in a position where I can start investing in Real Estate in 1-2 years, but but I'm not sure how to best go about putting myself in a position to qualify for a real estate investment mortgage. I have a few very specific questions

1) How much should I focus on rebuilding personal credit, and how much should I focus on opening an LLC VS building business credit via something like a Dun and Bradstreet account? Can building credit under a brand new business name over the course of the next year go a long way toward obtaining a mortgage when the time comes?

2) Should I pay the full amount of the debt back to the collection agencies and hope that that drastically improves my score, or would I be better off negotiating a reduced payment with them? 

3) How can I use my current capital to take out secured loans to rebuild credit without paying ridiculous interest rates?

Thanks in advance for responses.