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Credit score in the 570s range,less than $600 medical debt, if I pay will it help my credit?
Should I call the debt collection agency and pay the debt, or will that risk opening,more accounts? These accounts are YEARS old, but wont be removed because they have been sold on

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Hey Sam, Before you pay off any of your collectons or bad debt...negotiate! Try to get the creditors to agree to delete your collections for payment. The person you call at the collection companies do not have a lot of power so it would probably be best to ask for a supervisor. Remember to be polite and keep in mind these people are in business to make money. The way it works is they buy uncollected debts from companies for pennies on the dollar. If you pay them and they do not change your status, you will just have 7 years of paid in full bad accounts on your credit reports. You want a complete deletion or pays as agrees status next to your accounts. Try to get the payment reduced first but if they will only agree to delete for full payment. Pay them BUT MAKE SURE YOU GET A PAYMENT FOR DELETION LETTER FIRST! GET IT IN WRITING FIRST! Having credit cards isn't a bad thing! Credit cards don't hurt your credit scores. Usage of the credit card does! In order to get a good credit score you have to have a good credit mix. Revolving credit (credit cards), installment credit (personal loans, car loans, mortgages, student loans). An example of a good credit mix would be:  2 credit cards, 1 mortagage and 1 car loan. Bottom line...negotiate your bad debt before you agree to pay anything. I hope this helps. Also google how credit works to get a better understanding of credit. Also go to link below to better understand how credit works.

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PFD Letter not always necessary

I was not able to get Payment for Deletion letters prior to my payment. However, the agency reminded me that all calls were being recorded, so I took a shot. The following Monday, all agencies showed that account dropped and I got a nice bump in my CS. That week I received a letter from them with saying I was paid in full and that the account was being dropped from the CBs.

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