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Question about collections??

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Question about collections??

Back in 2015-2016 I went through a few months of unemployment. Now I have about 5 collections on my reports. They are all relatively low. The highest being around $800. I've contacted the agencies and no one will PFD. My question is if I pay them, I know my scores wont change much, but will new creditors see me as less of a risk? I now have Cap1 (unsecured), Zales, NFCU(secured loan and cc), self lender all in good standing.. just looking to get back on track without being a big risk to new creditors..
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Re: Question about collections??


@Road2800 wrote:
Back in 2015-2016 I went through a few months of unemployment. Now I have about 5 collections on my reports. They are all relatively low. The highest being around $800. I've contacted the agencies and no one will PFD. My question is if I pay them, I know my scores wont change much, but will new creditors see me as less of a risk? I now have Cap1 (unsecured), Zales, NFCU(secured loan and cc), self lender all in good standing.. just looking to get back on track without being a big risk to new creditors..

For any manual review, it will definitely look better.   Since these aren't going to drop off any time soon, I would pay them if you can.
Then I would follow up with a goodwill saturation campaign.


EQ: 792 | EX: 785 | TU: 781 | Accounts: 2/6 5/12 10/24
Happy practitioner of AZE6or7or8
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