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abyers2013

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how will paying on or paying off delinquent accounts affect my score?

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This is always a tough question with no easy answer, but  here is some info  1.  It will improve your score because the accounts will be paid instead of unpaid, which is good.  2.  It will still show as a delinquent account for 7 & 1/2 years on your credit report from the day you pay it off, which is a bad thing.  

I recommend you read up before deciding.  This website is good, look at the Articles at the left menu bar and at the bottom of this screen there is More Info.  Look at how your credit score is calculated.  Www.myfico.com is good at explaining how your FICO score is calculated.  Also look at www.credit.about.com and read the tab Pay off Debt.  Best of luck!

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Only pay if they will delete

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It will stay on your credit reports unless you get an agreement to pay for them to delete the item. If so it will be off your credit and your score will go up.

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