How much my FICO score will improve, if I could able to delete some negative item?

[Anonymous]

My credit history is just 5 years old. I have two well maintained credit card accounts since 2004. And I have a one well maintained car-loan account since 2008. However, I have two old negative accounts, since year 2006 (DLA). One item is with a phone company other is with apartment owner. These two items have been disputed by me with CA, as they were not a genuine charge for me. Currently, my FICO credit score is 660. If I able to remove these negative account (by PFD), how much my score will improve? On the other hand, if I make an effort to "settle" or "paid full" on these two negative items, will my score increase or decrease? What is the best option for me to improve (or not hurt) the score in short period of time, say with in a month, as I am shopping for mortgage loan?

[makingitbetter]

There is no way to tell how much your credit score will improve if you are able to get the two negatives deleted. It depends on what else is on your CR, if you have high util you won't see as big of a score jump, if there are other lates, etc. If these are your only two baddies and you are able to get a PFD you should see a good score increase. I would not pay these accounts unless you can get a PFD, but a lender probably will not approve you without them being paid off. A settled account or paid in full is about as damaging as unpaid to your FICO. Your score may actually decrease if they mark the account paid in full because it will be updated to look like a more recent baddie. The best option is to get a PFD and get those items off your CR completely. Good luck!