Do not pay the collections, dont do anything at all with them. You may get a boost when the Cap One reports to zero. Do you have an open installment loan? Unfortunately, sometimes it is just a matter of time.
I C Systems has been paid off, they said they will delete in 30 day also sent me a email with header states that. Diversified consultants deleted comcast account after a phone call, long conversation with them but deleted next day. Now Saturday is report update hope I get what I need.
What was your update? How much of a boost did you get? So curious right now.
The collections could easily contribute an additional 60 points; that's one of the main reasons why your scores are stagnant. I just paid off a collections and got it removed 30 days from paying--29 points added to EXP. Try paying off IC..System--i think they remove paid/settled debts. Please call and ask to be sure. As long as those debts are being reported they are hurting your scores.
Best of luck.
Agreed. Try IC Systems first. Several years back, they removed a collection from my report after I paid it in full.
Go for it OP!!