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I'm Bo Majors
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I read your website and used a lot of the information you provided and was able to raise my score from 571 to 671 in 2 1/2 months. Thanks Bo

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We must have 3 - 6 open car/home loans/credit cards to improve credit scores! It's not enough to pay off collections charges offs & bills. We MUST have current open rated credit (12 mo's reported to bureaus within the last 1 - 2 yrs) Get good credit BELOW
Credit Cards for a 350 - 599 Credit Score Credit Card for a 600 - 649 Score
Credit Cards for Credit Score of 650 - 699 Credit Cards for a 700 - 749 Credit Score

The Easiest Fastest way to improve your credit report is to pay down credit balances to less than 30% or at least less than 79%.
The second easiest way is to dispute old bad credit.
The third easiest way is to re open past bad accounts and the fourth easiest is to open new good credit cards.

It is not enough to pay off past bad debt or collections to improve my credit score. I must also have 3 - 6 lines of current, open and rated (at least 12 months reported to bureaus ie: credit cards, home loans, car loans) credit to improve your score. Do you have any rated credit? If not get some fast or your score will always be low.

Credit Cards for a 350 - 599 Credit Score Credit Card for a 600 - 649 Score
Credit Cards for Credit Score of 650 - 699 Credit Cards for a 700 - 749 Credit Score

How to pay off creditors
Always call and try to negotiate a signed 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.

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

If paying off collection accounts how much will your credit score go up and how fast. paying closed accounts increase credit score

How should a paid collection report appear on credit report

How fast does your credit score update. What's the easiest way to improve my credit. if i pay accounts on my credit report off will my score increase?

can I have a paid collection removed from credit report

If I have collections should I pay them all to raise my credit score

is a 671 credit score good. Paying off credit card "credit score"

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, than join the crowd.

When I pay off a collection, it does not go away, it should show up as paid.

If I want a collection removed I should to negotiate before I pay.

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 good part again is my 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?
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 card accounts does not usually raise my credit rating. In fact closing cards can hurt my Get your Credit Score from CreditReport.com - fast, free and easy! if I close accounts that have balances.

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 lates 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 I dispute the bad credit.

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 a trusted unlimited Credit Scores from CreditReport.com - fast, free and easy!

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.

Get your Free Credit Score from CreditReport.com - fast, free and easy!
Free Personal Credit Score Analysis Included. I use this site because I know I cannot fix what I cannot see or understand!

Improve my credit score. What is the fastest way to improve my credit rating? Pay off bills collections and pay down credit card debt to less than 30 percent of high credit.