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Rx420

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how much will my score go up when all debts and collections are paid in full

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You score won't change much if any when you paid the accounts collections, because vast majority of credit scoring models doesn't distinguish between paid and unpaid collections. I don't know what your other debts are, but if the accounts they were in, are closed or in judgments/tax liens? Then it's similarly to collections. Your scores benefits most from paying debt are your active/open credit cards, as it reduces the utilizations, because the percentage of utilizations have direct impact to our credit scores to the tunes of 30~35%.

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That would just be a guess. I suggest you spend time reading the articles on this site and doing what is necessary to get the negatives on your report taken care of.  Watching your score raise as things improve is so encouraging.

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Reply by
JohnnyRain127

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Nope, it isn't a guess, research and read up on "FICO 9" and see for yourself. There are many other sites/forums out there about credit than just here.

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Reply by
JohnnyRain127

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"... Paid-off and settled collections will be ignored. Under the previous FICO model, if you let an account go into collection, your credit score would take a hit for as long as that collection is on your credit report (seven years). Not so with the new version. Now, as long as the collection has a zero balance, it will be ignored..."

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