https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Which-is-better/m-p/5470#M1861 <DIV>Hi all, my first question, really new to all this but working hard to catch up.&nbsp;Score is currently @650.&nbsp; I have 3 old revolving accounts in collections.&nbsp; I am trying to pay them off, my question is would it be better to try and settle for less than total&nbsp;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.&nbsp;Thanks</DIV> Wed, 02 May 2007 23:02:50 GMT Anonymous 2007-05-02T23:02:50Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Which-is-better/m-p/5470#M1861 <DIV>Hi all, my first question, really new to all this but working hard to catch up.&nbsp;Score is currently @650.&nbsp; I have 3 old revolving accounts in collections.&nbsp; I am trying to pay them off, my question is would it be better to try and settle for less than total&nbsp;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.&nbsp;Thanks</DIV> Wed, 02 May 2007 23:02:50 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Which-is-better/m-p/5470#M1861 Anonymous 2007-05-02T23:02:50Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Which-is-better/m-p/5474#M1863 <DIV>Having them removed will be benefit your score the most!</DIV> Wed, 02 May 2007 23:17:47 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Which-is-better/m-p/5474#M1863 Tuscani 2007-05-02T23:17:47Z