I have a few questions. I am trying to raise my score as much as possible to get a house. I pulled my CR and have contacted all the companies i owe. I have some collections, and lates. I have already paid off one collection account, i have 2 more. One of those is a medical bill that insurance never paid, and i only now have heard anything on it. I sent a form to the insurance to have it paid and they are supposed to delete it from my CR. The other collection will be paid off next week. Then i had 2 accounts that were not mine on there, both showing 120+ days late, i contacted the companies and they have both since sent me letters saying the accounts were deleted, not showing deleted on my CR though. How long does it take to show up, and what impact will it have on my score? If i pay off ALL the collections and pay big chunks on the rest, and have those delinquient accounts deleted, how bug of an impact can i expect?
