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czbeezy

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if I have two collections on my report, should I just pay them or dispute them to raise my score?

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Top Contributor
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The first thing that you need to do is some reading on your situation. Never act until you are educated as certain actions may be regretted later if you don't know what you are doing. A few hours of reading can save a few years of headaches. If there is incorrect information on the accounts then you may consider disputing them, but be aware that disputing accounts with incorrect information does not guarantee that the accounts will be removed, they could simply correct the info and update the account and if the account has not updated in a while it will cause a decrease in scores. You should do some thorough research on "pay for delete agreements" this is when you get them to agree PRIOR to paying to remove the account from your reports in exchange for you payment.

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