1. The Fastest way to improve your credit report and credit score is to pay down credit balances to less than 30% or at least less than 79%.
2. The Second Fastest way is to dispute errors or outdated accounts on your credit report.
3. The Third fastest and easiest way is to re open past bad or good credit cardaccounts.
4. The Fourth easiest way is to open new good credit cards or get secured loans from your bank (THAT YOU MAKE SURE REPORTS TO THE CREDIT BUREAUS) using your saving account balance as collateral. We all must have 3 - 6 open lines of rated credit (12 month's reported to bureaus within the last 1 - 2 yrs) ! It's not enough to pay off collections, charges offs, medical bills, phone bills, electric bills, pay day loans or satellite contracts. The places only report you if you do not pay them. Majors credit cards, major bank car loans, tradition home loan banks and credit union bank normally report to credit bureaus.

• Quickest credit card to report to bureau
• Quickest credit card to report to Equifax
• Quickest card to report to Transunion
• Quickest card to report to Experian

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Does Paying off collection improve credit scores? It does if you have 3 - 6 lines of open rated credit

• If I close my credit cards will it hurt my credit rating? Most of the time YES! If you close on and have 3 more that are open maybe not. If you close one that has a balance it hurts no matter how much or how many other credit cards or loans you have.
• How many points will my credit score increase when I pay down a credit card? If your credit balance is greater than 79% and you pay it down to less than 30% your score will increase. How much is unknown unless all the other accounts on your report are factored in. I would venture a 10 - 30 point increase if you have other accounts that are reported and the balances are less than 30%
• Always call and try tonegotiate a signed on company letterhead deal before paying in full. I never know what I might get for good behavior unless I ask FIRST. Each account and situation is different. Millions and millions of decisions are made per day. Be one.
•  Credit report charge off paid in full.
   If I get a charge off negotiated to show paid in full, my credit score might improve 10-50 points depending on other credit on my report. When a charge off goes from 100 dollars owed to paid in full, that account goes from a 100 percent debt ratio to a 0% debt ratio. That helps my score improve in the long run no matter what.
  
  

 Should I pay off a 6 year old collection?  Probably not if the date is correct on 6 years.

• How much does it raise my credit score if I pay off a collection account? This totally depends on you having 3 - 6 lines of open rated and reported to bureaus credit, like credit cards, car loans and home loans. But paying off a collection can hurt your score for the first 6 months but will ultimately raise your credit score by changing your balance to credit ratio from 100% to 0%. 

• 2 years to pay bills to improve credit score. Fastest way to improve my credit score. How to improve my credit score quickly. Should I pay charged off credit to raise my credit score? Does credit score go up after all debts are paid off?

• Will paying off credit cards help my credit score? Yes and very quickly and the is the very fastest way to improve or raise a credit score.

• How should a paid collection report appear on credit report? It should show up a a collections that shows a 0 balance.

• How fast does your credit score update? Every 30 days each creditor reports to the bureaus. These days are often different at each bureau. But 30 days would be the answer.

• Is a 671 credit score good? Go to my credit score range page and find out.

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 How do I get a the bureau or creditor to delete or remove a paid collections off my report?

• If I have paid off collections in the past and wonder why it still shows up on my credit report, then join the crowd.

• When I pay off a collection why does it not go away? Because is is an accurate account that shows up on your report for 7 years but it should show up as paid 0 balance..

• If I want a collection removed I should to negotiate before I pay but ultimately pay the collection off either way. The good part is my debt ratio went to 0 for this account and will improve my credit score over time. The bad part is sometimes the account may be end up with a new date making my score lower right now. The BEST part is your credit score will go up within one year.

• If I cannot contact the past creditor I dispute any and all past collections charges offs loans or bills.

 How do I get a paid credit card charge off removed from my credit report?

• Call and re open the past bad credit card accounts. Pay good for 1 to 2 years then beg them to only report the last year, or 2 years, of your new good credit.

• Super best number one way to improve my credit report score fast and a lot.
  

Will it improve my credit score to close credit card accounts?

• Credit.com says do not close credit cards especially credit cards you have had for a long time.
• Closing credit cards can and more than often does reduce or hurt your credit scores?

Does closing credit card accounts help my credit score?

• Some bankers do say if I have several credit cards with huge amounts of useable open credit, that my credit rating will benefit by closing some a few cards. Lots of open possible credit make bakers think I could get into financial trouble fast. I do not know of a case where closing good credit cards helped credit scores.

• Closing credit cardsdoes not usually raise my credit rating. In fact closing cards can hurt my credit score if I close existing credit cards. If i close long standing credit cards, then i can expect a credit score drop.

• When I close an credit card that has a balance, it shows I may have become emotionally detached from paying a creditor. Closing a credit cards with open balances can drop scores up to 50 points. 

• The creditor or credit card company will likely drop my high credit limit each time I make a payment. This action shows a 100% debt ratio mine needs to be 80% or less.
• My credit for the past 2 years makes the most difference on my credit report as far as scores go. Anything more than 2 years old hurts or helps very little if I have current good credit.

 If I pay off credit cards, loans, collections and charge offs.
Will the bad credit and late's come off my credit report and improve my credit rating?

•  Credit cards, loans and collections will not come totally off my credit report unless I negotiate and get an agreement before I pay.

•  The reported accounts will show up as paid in full but will still show past late payments unless negotiation works.

•  The best way to improve my credit rating is to negotiate before I make payments or settlements to improve my credit score. 

•  All credit good credit and bad credit will remain on my report for at least 7 years even after full payment and closed accounts.

 Will it hurt my credit score to pay off old collections or bills? will paying off collections raise your credit score

• Not if I negotiate and pay off creditors with agreements to not re-date the account when I pay to improve my credit score.

•  My score can go down if dates move up on past bad credit.

•  If I can't find the creditors to negotiate with, then I dispute the account.

•  If I am actively attempting to improve my credit score and credit rating by paying off collections, credit cards and creditors I need to monitor my progress with trusted and unlimited All 3 free credit scores. The first and most important stop for getting good credit. I use it. It works. It's Free. It Helps. Get it NOW!

 Here are the best ways to improve my credit score by negotiation and paying bills.

•  I pay off and re open any past bad credit cards and negotiate after 6, 12 and 24 months to report only the current good credit.

•  I contact creditors and get agreements to remove or update reported bad credit accounts with paid as agreed and in full marks. I use my payment "in  full" including fees as negotiation leverage. 

•  I print off this legal credit dispute form and use certified priority mail.

•  If I cannot find a creditor to help me improve my credit score fast, then I dispute the account fast. I get a letter from the bureau in 10 - 40 days either removing bad credit or a verification contact form.

•  I lower my debt ratios to less than 80%. Debt ratio is the amount of money I owe (lets say a credit card) compared to the amount of money I am "approved" owe. If I have a credit limit of $10,000 and I owe $8,500 then I need to lower the amount I owe to 7,999 or less. Reduce these and my score will go up in 15 - 45 days. Plus it is free. All I have to do is pay back money I already owe.

To raise credit scores you must have 3 - 6 major credit acounts reported to bureaus. Cell phones, electricity, gas or any paid off collections do not count. Improve bad credit with good credit cards here
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