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as1014

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Should I pay off debt in collections 1 by 1?? will that help my credit score go up??

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You don't mention how old these are

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If you have accounts in collections, you don't want to contact them directly until you've done everything you can to get rid of these.  If you contact them, you will "re-set" the clock.  Accounts can stay on your report for "7 years from the date of last contact".

First, Even if you know that this is your bill and that you owe it, Try a "Validation letter". Google it for a template and more info. Write a letter to each of the collections on your credit report.   This letter requires the collection agency to provide proof that they have the legal right to collect. If they can't (Many won't have all the paper work) they have to remove the collection from your credit report.  They have 30 days to take action once they receive your letter. 

After That, Then deal with what ever is left on your report.  Google "Offer and compromise" and read up on how to settle these accounts for less than the full amount, sometimes  50% or less of what you originally owed.  

Use your free copies of your credit reports from annualcreditreport .com  Get only one copy from one of the CRA's at a time, that way you can get a copy of another of your reports every 4 months so you can monitor your progress.  

It takes a little time, But you could end up saving a lot of money this way. 

Good Luck 

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