https://ficoforums.myfico.com/t5/General-Credit-Topics/Improving-Score/m-p/163373#M79140 I have read numerous books and have a general understanding of credit. I am struggling with the correct path to take to get my score to improve in the fastest manner however. I presently have a lot of collections and am in a position to soon pay the majority of these off with my new job in two weeks. The questions and uncertainties that I have are what is the best approach to take to get these collections off my record and what do I pay off first. I have to car loans, numerous credit cards, and a few late payments all of which are being paid on time now. I'm not sure if the best approach is to pay one thing off at a time and then work on the next bill and so forth or a little on each card extra each month. Also, do I have to write a letter of deletion to each creditor prior to paying off a collection to ensure it gets taken off my record?? Any thoughts is appreciated. Tue, 26 Feb 2008 00:05:19 GMT Anonymous 2008-02-26T00:05:19Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Improving-Score/m-p/163373#M79140 I have read numerous books and have a general understanding of credit. I am struggling with the correct path to take to get my score to improve in the fastest manner however. I presently have a lot of collections and am in a position to soon pay the majority of these off with my new job in two weeks. The questions and uncertainties that I have are what is the best approach to take to get these collections off my record and what do I pay off first. I have to car loans, numerous credit cards, and a few late payments all of which are being paid on time now. I'm not sure if the best approach is to pay one thing off at a time and then work on the next bill and so forth or a little on each card extra each month. Also, do I have to write a letter of deletion to each creditor prior to paying off a collection to ensure it gets taken off my record?? Any thoughts is appreciated. Tue, 26 Feb 2008 00:05:19 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Improving-Score/m-p/163373#M79140 Anonymous 2008-02-26T00:05:19Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Improving-Score/m-p/163501#M79207 <DIV></DIV><DIV><BR /></DIV><BLOCKQUOTE><DIV><HR />bsebal7 wrote:<BR />I have read numerous books and have a general understanding of credit. I am struggling with the correct path to take to get my score to improve in the fastest manner however. I presently have a lot of collections and am in a position to soon pay the majority of these off with my new job in two weeks. The questions and uncertainties that I have are what is the best approach to take to get these collections off my record and what do I pay off first. I have to car loans, numerous credit cards, and a few late payments all of which are being paid on time now. I'm not sure if the best approach is to pay one thing off at a time and then work on the next bill and so forth or a little on each card extra each month. Also, do I have to write a letter of deletion to each creditor prior to paying off a collection to ensure it gets taken off my record?? Any thoughts is appreciated.<BR /><HR /></DIV></BLOCKQUOTE><DIV>My suggestion is to first check DOFD, DOLA, and SOL for your collections.</DIV><DIV>&nbsp;</DIV><DIV>Having low util helps increase your score.</DIV><DIV>&nbsp;</DIV><DIV>You can DV/PFD collections. But check your SOL first, and go over your CR with a fine tooth comb to look for inaccuracies.<BR /></DIV><DIV></DIV> Tue, 26 Feb 2008 02:00:54 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Improving-Score/m-p/163501#M79207 Anonymous 2008-02-26T02:00:54Z