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jrsmama18

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how do i go about fixing my credit ?is it a good idea to pay some delinquencies off?

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Helpful to 12 out of 15 people

Paying of creditors, while morally good, will do nothing to improve your credit score once the account has gone to collection.  It will get them to stop calling you but there are better ways to accomplish this.  Additionally, when you pay an old collection account it updates the date of last activity and restarts the 7 year clock on how long that item will appear on your credit.  All of this can be extremely painful both on your pocket book and credit score.

I cannot stress enough how important it is to speak to a credit expert before moving forward.  Most reputable credit expert organizations will provide you a complimentary review of your situation and give you some guidance (like ours).  Thankfully we live in a day and age where it's easy to find out the reputation of those you're working with online.  Check the reviews of the credit improvement coimpanies before engaging their services and then seek out their professional help.

Hope that help & let me know if you need further help,

Joe

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