It’ll be difficult, but doable. 1. You’ll need to pay off or settle those collections items. They’ll keep impacting you, and from a banks perspective are an indication that you won’t pay back the bank.
Are you working? Regardless of credit, you’d still need to be able to service some of the debt. You might still need your parents to co-sign. A low 600 score might also limit the maximum money the bank will be willing to lend to you.
The bank will probably want an explanation why your credit took a hit, and what you’ve done so you don’t get put in a similar position again.
Given expenses are starting to add up, you might have to revisit them and see what you can cut out to reduce your debts... if this line of credit is for consolidating your debts, I don’t know if it would have a lower interest rate than a normal term reducing consolidation loan.
Chances are that you’re most likely going to have to get one or both of your parents to co-sign for you, as you gradually repair your credit.