TRYING TO UNDERSTAND HOW FAST FICO WORKS

[Anonymous]

 CAN SOMEBODY HELP..........Will my FICO score go up if I have at least two positive open accounts despite the fact that I have 3 unpaid medical bills on my report totaling $4,000? I'm making all payments on time on a car loan and a credit card...will my score increase despite the fact that there are 3 unpaid medical bills open for collection on my report? Or will those negative accounts keep my score from going up regardless of the on time payments? Also, if I decide to pay off the medical bills will THAT increase my score? And if so, how much in what period of time?

ANY ADVICE WILL HELP! 

[Anonymous]

You asked the same question here:  http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/unpaid-medical-bills-on-my-credit-report/td-p... and a reply was posted.

[llecs]

Locking this to consolidate replies to your other thread:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/unpaid-medical-bills-on-my-credit-report/td-p...