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Question By
Sloanedude

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0 People Helped
Paid off credit cards and bad debit with little change
Recently I paid down two credit cards reducing my CC debit from 57% to only 6%.. Additionally I had three ( out of five) bad credit hits against me and paid them off as well. Unfortunately my credit score has not improved much ( six points ) This is a really disappointing given the over all effort and cost. I find it rather ironic that any negative hits are instant and any improvements take weeks or months to even show up if ever at all.

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Top Contributor
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Well, give it some time. And keep in mind that the ultimate goal is to get collections removed rather than just marked as paid. Getting them marked as paid doesn't do a whole lot as it is still a collection on your reports. Read about "pay for delete agreements" if you try to take care of the other collections, you cannot always get a "pay for delete" but sometimes you can and it is the best for you.

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