A:Make sure you negotiate a "pay for delete" with every single one of the collection companies BEFORE you pay. Get it in writing that they will remove any negative/collection information from your credit report once you pay your debts. If you do this with all of your collection accounts, you'll soon have no record of collection activity and your credit score with jump dramatically. Keep in mind that sometimes it takes up to 3 months for credit files to update. Your credit score can also have a positive change due to this.
