No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So I have about 600$ in total collection I just made my first 50$ payment a month to pay it off.
will this already raise my credit score since I'm making payments now?
I am not sure. I paid one in full last week and mine went up 25 points, so that was a good thing I think. the other one that is paid isn't showing paid yet for some stupid reason.
If the debt collector only has assigned collection authority and the OC is also reporting, paying down the debt also requires the creditor to reduce the balance due on your account with them.
If your account with the OC is revolving, that will lower your % util, and thus help in scoring.
Otherwise, payments made to the debt collector will not improve your scoring.