paying off debts.

Submitted by fireyone on Fri, 02/20/2009 - 12:40

I want to go pay off all my credit card bills. I am not closing the accounts (there are three of them). How will this effect my score? Will it go up? If so how long after paying the accounts in full will I see a change in my score? Sorry for all the questions but I am trying to get the best score possible.

Your credit score will go up, never close paid in full credit cards. It could take a while to raise your score. I would suggest; as soon as the cards are paid in full send the credit agencies a letter stating that the cards are paid in full. This will ensure the credit card companies report the paid in full in a timely manner. The credit card companies sometimes try and wait to report updated credit cards that are paid in full in hopes that you will charge the account again. If you are looking for a mortgage you can request the mortgage company do an express credit score change, which they can do. This practice is done to help people who needed to pay off items to get a loan and then needed their credit score higher.

Fri, 02/20/2009 - 15:30 Permalink

What I am trying to do is get a car. I would have the money to get one but I thought it was a wiser move to pay off all the existing bills that have higher interest rates. This would save in monthly payments since the cc bills would cost more monthly than a car loan. Our credit is good as it is but I was thinking with the economy it may be harder to get a loan and I want to make sure our (hubbys and I) credit looks great. I can get pay off notices by going to the store and pay the debts in full. There are only a couple of them but they equal quite a bit. We had to rely on them to get through a really tough period.

Sat, 02/21/2009 - 00:43 Permalink

Your score can go up only if your debt is still with the OC and you have come to a pay for deletion agreement with the OC. Once you come to a PFD agreement with the OC, the negative item will get removed from your report if the debt is paid in full. Now, if the debt has already been sold off to a collection agency and you come to a pay for deletion agreement with the CA, then only the CA listing will come out of your credit report, but the OC listing will stay there in your report for seven years from the date of your last payment towards the debt.

Wed, 02/25/2009 - 08:54 Permalink

None of my bills are with bill collectors. All the debts are current and on time. I was just wanting to see how long it would take to show up on my creditr report and what effect it would have on my score if I paid off the existing bills and then got a car loan for about half of what I was paying out. I know debt to income ratio also plays a factor in determoning a score to right?

Sat, 02/28/2009 - 22:58 Permalink
jim (not verified)

I am currently trying to puchase a home and have a low middle credit score. One of the things on my credit is a medical bill my work didn"t pay off.

my work is willing to pay this a soon as possible. How much will my credit score change after this is fixed.

Tue, 03/31/2009 - 02:10 Permalink

As far as I know, paid medical collection can be removed from your credit report if you can make the hospital agree to remove it before you pay off the debt. However, if they does not agree to remove the item from your report, you can later dispute it with the bureaus after paying it off. If you can get the medical collections removed from your credit report, your credit score will increase.

Tue, 03/31/2009 - 06:07 Permalink you have to have REALLY good credit to buy a home. A friend of mine has EXCELLENT credit ( upper 700's) and she can't get financed for one. Also,..I think banks/finance companies are looking at the income more closely now, making sure consumers aren't falsifying information. I'm not saying YOU would do this...I'm just giving you my 'point of view'.

Tue, 03/31/2009 - 09:50 Permalink
Lorrell (not verified)

I have a really low score from I think a utility bill if I pay this off how long would it take for my score to go up????

Wed, 08/12/2009 - 01:50 Permalink

Credit scores take time to build. However, this should not discourage you from paying off your bills. Creditors look at more than your credit score. Your report reflects your intentions with borrowed money, whether you have the will to pay them back or not. If you take the pains to pay back your debts regularly, your score is bound to improve.

Wed, 08/12/2009 - 12:17 Permalink
Olivia (not verified)

i am trying to get a loan to replace my roof on my home. however i am not approved becase i have a couple of unpaid medica bills on my report if i pay them i full right now, how long will it take for them to show paid in full? i know they will not go away right away, however my question is will the show up paid in full the next month ?

Wed, 05/19/2010 - 19:27 Permalink

Hi Olivia,

The negatives can be removed if you pay off the medical collections. You can talk to the collection agencies and get a payment agreement in writing. Along with the payment agreement request the collection agencies to agree to a "Pay for delete" (PFD) agreement. With a PFD, all the negatives from your account gets removed.

As for the updation on the status of your account, yes they may show up next month, though there is no such specific time within which the change may occur.



Thu, 05/20/2010 - 12:07 Permalink
Bert Murillo (not verified)

I just got my credit report, and there are a lot of things I absolutely
cannot recognize,,, I do not know what these companies are, just
letters, which i cannot understand, that is what is name of the

I have paid all bills that showed up, accounts i recognize, but
these others I do not know...

Any suggestions?

thanks you


Tue, 06/22/2010 - 23:45 Permalink

Hi Bert Murillo,

You can send debt validation letters to all those collection agencies which you think have been wrongly listed. Send the letters through certified mail with a request of return receipt. If they fail to validate your debt, you can dispute these items with the credit bureaus.

You will get sample debt validation letter with this community. Feel free to use that to write one of your own. You will also get a sample dispute letter. Along with the dispute letters attach copies of debt validation proofs.



Wed, 06/23/2010 - 10:41 Permalink
nitro (not verified)

I was preapproved from a lendor and signed a contract for a house and when i went to complete my loan package I found out I was 20 points short to get PMI. I reviewed my credit report and found that the issue is I owed more then 30% 0f the credit limit on my credit cards. I paid these all off and also found Medical colections that where 3-5 years olds I paid these as well. The credit cards and the collections all report to the credit bureau the end of the month its now the 1st and I'm suppose to close in 2 weeks. Will i be able to approve my credit by 20 points to get my loan

Sat, 04/02/2011 - 02:27 Permalink
stacy b (not verified)

If l have paid every last thing that as showed up on my credit report how long will lt take for my scores to go up? Can chapter 13 be removed off your credit report?

Fri, 02/22/2013 - 02:26 Permalink
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Tue, 01/21/2020 - 09:28 Permalink
Joshualeazy (not verified)

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mainly, She points to her white friends who are the middle of racism and ignorance as hindering her relationship. This is a terrible notion and unfortunate that even in today's world it is difficult to acquire friends to respect who we date and not judge on the basis of race. but, There is a matter that Emily Brown failed to cover. to become the "community,

appropriate now, I give no claims to being an actual minority. I'm a white-coloured male, But when a guy dates a woman from very good background, it appears like the racial tables have turned. regarding combating ignorant comments from friends, Men should brace themselves to be the people receiving ignorant comments. particularly in my case.

I once dated an Asian girl who had acquaintances that just found our relationship awkward and unsettling. Nothing from my side of friends and family though. This alone is an interesting phenomina because those are typically not threatened by Asians. What is this acceptance of Asians over other ethnicities in America? Asians hold the biggest amount of wealth and jobs right after white people. And the proportions of wealth between whites and Asians is the same. they've been dubbed the "Model few" By white the nation.

I never got ignorant comments from friends or family, None which are serious words of prejudice anyways. he thinks the laws white people, certain, white colored men, Can succumbed to this yellow fever. Many Asian cultures have become conservative which brings about a certain attraction over Asian women. they're petite (Due to a diet of rice), reliable, and even submissive. personality that are consistently shrinking among white women, Whether that be a positive or negative thing, They are still characterics that are excellent for men.

nevertheless, That Asian girl has a family with a similar conservative values. And it is easy to guess that one of those values is staying with your personal kind. consequence, I have experienced a form of persecution that most white people will never are limited to. Though my ex tried to describe that her parent's did not judge me on the merits of my race, I can't help but wonder why her current Asian boyfriend has the mother and father's blessing.

But you'll be able for white people to recieve some of the racial baggage in a relationship. the business, We are probably the one race most abundant in blood on our hands. We are certainly the wealthiest race that built an empire being worn by other races. Why wouldn't other civilizations hate us? make tracks debunk the myth that racism is only exhibited in white people. All races have the proportions of racial ignorance. White men must brace for such possiblities if they hot ukrainian women choose to link with any ethnic minority.

from now on, I gives some real advice. I will only contribute this advice for white guys dating Asian girls with old classic families, Since that is what I am most experienced with.

1. The rules for meeting the parents in my ballet shoes still apply as if she were a white girl. Wear nice fabric, you should be curteous, And maybe hint at your career prospects. Many Asians are very economically oriented just like white people. In hind attention, You are legitimate to not only be a boyfriend to their daughter, But as a son in law. I know its crazy to think of marriage after the first few dates, But that's what her parents are thinking about. if you prefer this girl, Then just be the best son in law you can be until every thing has become is done.

2. evade PDA. Nothing says file corruption like public displays of affections. Something so much frowned upon in Asian societies. Don't kiss her in public. haven't got your arm around her shoulder. never know it hold her hand. These rules especially apply remember that around her parents. So often do I see alot more Asian immigrants to my hometown going out for walks. awarded, they happen to be older couples, But the man is always walking ahead of the woman. They do not touch or walk also or even look each other in the eye. PDA is rude to the culture.

3. Make sure she is worth any emotional baggage. It is tough to give into people judging you against a distance, But if you are being judged by many folks, Then she's not of great benefit. I don't think I could ever date another Asian girl after some of the stuff I went through.

4. Brace yourself for the barrier of language because her native tongue will be used around her friends every so often and constantly around her family. Her mother would not speak English. And it is because she's saying something probable disappointment to hear.

5. If family ever make fun of you, Then just make up some crazy sexual fantasies and tell your pals that's what you get to do. They'll get a kick from the jawhorse. Though a realistic look at the situation is that those fantasies won't come to life, So don't be prepared it.

7. Never blame her parents in anger for any expressive baggage. She is loyal to her parents and you may be like that racist white devil her mother always told her about.

8. so long as it's in good fun and not serious, It is alright to tease other buyers. My ex is philippine, We made fun of Koreans every time.

9. Be funny round her. Don't be funny round her parents, You'll offend them somewhat.

10. And lastly, quickly learn how to eat rice and say good bye to breakfast food. Waffles and pancakes don't exist in china and taiwan.

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