Ok, so after browsing around the forum, I've seen some threads that mention paying on your collection makes your collection look current and hurts your score, while other threads said that wasn't true. So in my situation, I have two collections, 1 medical for an ambulance transport and 1 for unpaid cell phone charges. The CA from the cell phone account sent me a letter saying they'd settle my account for $150 less than what I originally owed. If I pay both that and the medical in full, keep the receipts, and contact the credit companies, will this help my score? Thanks. I am just somewhat confused.
