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Kemy123

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will paying off collections help my score go up very much?
it looks like collections will stay on your report for 7 years even after they are payed off. which is a faster way to increase my score? opening a secure card a creating a good payment history or paying off debt.

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Do some reading on PAY FOR DELETE AGREEMENTS and if you can get one, then pay to get rid of the collections as fast as you can, then build from there. If you cannot get a pay for delete, then get the card first and keep requesting the pay for delete.

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get the card first. you need payments on time over time to have any chance at building credit. good credit can somewhat offset negative marks, especially if the negative accounts are older. often times simply paying a collection off will initially lower your scores, because the report date get updated. eventually your scores will increase as your move away from negative marks, and have good established credit. 

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