How can I pay off pdls, credit cards and rebuild credit?

Firstly, check whether or not your payday lender is legal! If the lender is illegal, you just need to pay off the principal amount and NOT any interest! In fact, you can ask for a refund of the interest you have paid till date. But if the pdl lender is legal, check if the lender is a member of Community Financial Services Association of America (CFSA). If yes, the lender may allow you to enter into an Extended Payment Plan (EPP). This way, you can have 4 more pay period to pay off your pdls and that too without any additional interest or fees. If you still can't pay off your pdls, I would suggest you to talk to a genuine debt relief company. They can help you out to pay off your payday loans and credit cards too!

If they are legal, then you have to repay all the amounts with interest rates. In this case, consider settlement or ask for EPP. If they are not legal, then you just need to repay the principal amount.

I would suggest you should try to settle your credit cards and legal payday loans. Your credit score is already low now. So, debt settlement won't hurt your credit score much. But yes, in case of debt settlement, you need to save money. Debt settlement will help to reduce your payoff amount. But even in that case, you need to pay a specific amount. You need money for that.

If the payday loans are legal and genuine, you may improve your credit score score by paying off them entirely. Buy as your are having a poor financial situation, you must consult a professional and enroll yourself in a debt settlement program.