Mine are very small too. I leave 2 unpaid (as bad as that sounds) because it is my only bargaining tool. I will just keep offering a PFD until they take my measely $348 dollars. I have already paid the others to the same agency, but I have been wishing that I can get all of them PFD- one agency, and they won't budge.
Congratulations! I'm about to start helping my son-in-law clean up his credit reports. He has 4 little ones like yours. I'm hoping it won't be too difficult to get these PFD.