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NicoleC1155

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How fast will your credit score change if you pay collection and bills in one day
What if you have very poor credit from someone else hitting you in a car accident leaving you disabled and out of work finally getting disability 3 ½ years later to pay off all your bills and collections accounts in one day how fast will it help your credit score

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Most agencies if they report,  report once a month, and then usually towards the end of the month. You should see a difference in your score from one to three months.

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If it's been 3 1/2 years, you may want to check the Statute of Limitations for collections for your state, since the time varies by state.  If the debts are still within the SOL, you should begin a letter writing project to negotiate a 'pay for delete' agreement.  Such a procedure is discussed in the articles here.  Otherwise, the debts could continue being reported for 7 years after they are paid.

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