Hey guys! I'm 24 and recently have gained the ability to start rebuilding my formerly excellent credit, which went [very] south back in 2010. So far, I've checked and cleaned up my credit reports. All 3 bureaus are now reporting accurately. That alone has bumped my score nearly 60 points from its low. I'm confused as to what next steps I should take. I know I've screwed some companies over in my past - I won't deny that. I just don't want to flush any money down the drain if it's for nothing, if you know what I mean. I've got 5 open collections, plus 1 judgment, to take care of - some of which are quite large. All of them are over 3 years old. Do I make good on them? Pay settlements, pay in full, or should I just bide my time and let them fall off? I don't get harassing phone calls; just the occasional letter. The 'big guns' I've yet to move on are a $7400 Bank of America Visa (CO), a $2400 Citi MasterCard (CO, judgment), AT&T ($2000), and other various little ($100-300) ones that I'll pay ASAP if you all think it's a better move to pay rather than wait.
Thank you in advance to anybody that replies! I'll keep a vigilant watch on this thread to answer any questions/comments.
