Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Paying Your Bills
Profile Image

Question By

0 Contributions
0 People Helped
If i pay all the bills that are shown on my report, will it help in building my score back up?
I have bills that I have let go. Including power, medical, and other expenses. So if I pay all of them off will my score improve?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Results 1-7 of 7Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
1 Contribution
56 People Helped

yes and no

Helpful to 56 out of 64 people

it will help sometimes significantly and sometimes very miniscule. The best way to help your score is to start positive accounts( ie. credit cards) . A friend of mine had a score of 491 in 2011, he then decided to get a credit card. he realized that he was wasting money by trying to pay off the accounts so he started just using the credit card. he would use 25% of the limit and pay it back steady monthly. Every month since, he has been doing the same and now has a high credit score of 752. He is currently coaching me on building my credit up. i hope this information helped and 

Top Contributor
61 Contributions
178 People Helped
Most Helpful Response


Helpful to 44 out of 49 people

Removing old debts off of your report will help repair your credit. try negotiating "pay for delete" with your creditors or collection agencies. Check the statue of limitations in your state some are 7 some are 5 if they are getting close to dropping off try focusing on the newest ones. You can also try and negotiate for less than the balance owed too.

Reply by

1 Contribution
0 People Helped
Helpful to 0 out of 1 people

Please clarify as to what you mean by statue of limitation in "your state" you said 7, and some are 5. Elaborate plz.

Top Contributor
10 Contributions
64 People Helped


Helpful to 35 out of 40 people

I paid everything in all my credit reports on 2-6-15. I have learned that  some debt collectors will delete, make sure you ask, and some will not. They are very good at trying to avoid the question about deletion. My score has went up about 25 points from paying them off in the past 6 weeks. Some were deleted completely and some marked as closed/paid. Some I am still waiting for my reports to update.  But I no longer have to deal with debt collectors and the negative remarks/accounts in my credit are dissapearing and I am on my way to rebuild my credit.

1 Contribution
24 People Helped


Helpful to 24 out of 33 people

Removing old debts will NOT help your credit score... The older they are the less impact they have on your credit score. I recomment that you contact the collection agency via snail mail and negtotiate payment for removal of it off your credit report. If you do it anyother way, it will reset the 7 years on your credit report. If it has been on your credit report close to 7 years, I would ignore it all together and let it fall off your report

1 Contribution
3 People Helped

Repairing my credit

Helpful to 3 out of 5 people

If I pay off a couple creditors, and have them removed from my credit report how long will it take for my score to be adjusted, or will it even help

1 Contribution
12 People Helped

Debts older than 7yrs.

Helpful to 12 out of 24 people

I have old debts that are from 2005 and the medical bills keep being recorded every yr. and have been bought by a third party collection agency. What can I do ?

Top Contributor

Reply by

13 Contributions
92 People Helped
Helpful to 4 out of 6 people

Create your own question.  Do not leave a question as a reply

Reply by

3 Contributions
13 People Helped
Helpful to 10 out of 14 people

I set up payments with my hospital bill. I set it up for them to take $40 bi weekly out of my check and it is slowly but surely going away. Just call the hospital and set up payments of whatever you can afford. You may think you will miss the money, but if you have it directly taken from your bank account then it's "Out of sight, Out of mind" and your credit will slowly start to rise. It won't have a big affect until it is actually paid off and NOT showing as delinquint.

Reply by

1 Contribution
10 People Helped
Helpful to 10 out of 11 people

Challenge the accuracy of the.debt in writing. I think CK has dispute letters that you can download. 10 years is too long. I heard of either revolving/installment accounts can take up to 15 years, but not medical bills. If the collection agency cannot provide you proof of your debt (documents that you signed), then it will be deleted from your CR. But if you receive a response in the mail validating the debt, also you would be given a settlement offer (50%). If you pay, negotiate for a pay to delete, and get it in writing before submitting payment.

1 Contribution
0 People Helped

snapshot of credit

Helpful to 0 out of 4 people

I was told that your credit report is a snapshot of the here and now. I understand old posting have an impact, but if for the next 6 months I pay cc off or down and pay all payments on time that in itself will show a a postitive reflection on my CR.... Is this correct? Thanks

Results 1-7 of 7Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.