Paying $100 out of $5000 will not raise your score significantly…here is the FICO score breakdown

35% Payment History
30% Amounts Owed
15% Length of Credit History
10% New Credit
10% Types of Credit

If you cleared up the $5000 that would help, but you have two other problems…your payment history is not good (you basically stated the only things on your report are negative) and the types of credit are not good.

What you need to do is get some credit and use it responsibly… this means charging no more than 50% of the available credit and making all payment on time.

is no guaranteed cure for a poor credit score however, the best and most efficient way to improve your credit report is to make your payments on time
In order to increase your credit scores you want to really focus on your balances on your revolving debt such as credit cards, home equity lines of credit and such. Your ideal target is to keep your balances at approx. 20-40 percent of your available credit limits. Being maxed out on your credit scores can be very detrimental to your credit score even if you continue to make all of your payments on time.

Apply for credit less frequently. Large numbers of inquiries will likely lower your score.

If your credit score is low, look at what is causing this. Review your entire report and note any incorrect entries. If you have any incorrect information reporting, contact the credit bureau and work on getting it fixed.

If you do pay off a credit card, be sure to keep the account open. When computing your credit score, the bureaus love to see accounts that have been open for an extended period of time, and have a zero balance.