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Juli1899

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Pay collections first or do credit score repair first?
Which do I do first? Any companies to recommend? I feel like I'm going in circles trying to get my number up.
Thanks.

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Top Contributor
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Pay the collections first because, until they are paid, your score will not improve.  So, you need to learn how credit works which is what Credit Karma is here to teach.  Read the articles, use the financial tool, and make the needed changes. And, since you have these credit issues due to your actions, why pay someone to fix them?  What  would you learn there? The ethics of many 'credit repair' companies has come into question too often. Learn about the statute of limitations on collections which varies by stat e and how to negotiate a 'pay for delete' agreement with a collector. Those are covered here.  Time to get to work.

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