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funkmarcy

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If I pay off delinquent accts. will they be removed from my credit report and will my score improve?
Even if they cannot be removed which I am guessing is the case. Will paying it off improve my score??

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It'll show that the balance is 0 but creditors are instructed to not remove the negative information as a whole. Call the collections agency and make a deal in writing if you pay off the debt you want to do a pay for delete. This is frowned upon by the 3 credit reporting bureaus. Depending on the collection agency, they may tell you to dispute directly with the credit reporting agency about an inaccuracy and the collection agency may just not respond within the 30 days necessary, forcing them to delete this "error"

Simply put, work with your collection agencies.

Just paying it off and not doing anything after that won't bump your score all that much and it most likely it'll just stay on your report. You'll have to do some work.

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Well paying it looks better than not

You would have to speak directly to the collections agency who has your delinquent account to see if they will agree to a pay with delete. Most should because they just want the money but some might be sticklers. Anyways get everything in writing before agreeing to pay first.

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