Hi all, my first question, really new to all this but working hard to catch up. Score is currently @650. I have 3 old revolving accounts in collections. I am trying to pay them off, my question is would it be better to try and settle for less than total or pay it all off (if possible) and get a Paid for Deletion? I'm going to be applying for a home loan soon and what to know which would look better or improve my score. Thanks