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Pay for delete letters

Submitted by Anonymous (not verified) on Sat, 05/09/2015 - 15:29

So I am looking at doing a Pay to Delete Letter. There is the original creditor which has a bunch of negative payment information on my credit. Plus it has been sent to collections as well.
My questions:
With the Pay for Delete letter, who do I send it to? The collection agency or the original creditor?
Also, will this letter take care of both the original creditor's negative information and collection agency too?

Paying off credit cards to raise credit score

Submitted by Anonymous (not verified) on Tue, 08/26/2014 - 01:03

I have four credit cards with balances. None are maxed out. Two with larger balances and two with smaller balances. I can only pay off two with the smaller balances or one with the larger balance leaving three outstanding. Would I raise my credit score faster if I pay off the two with the smaller balances or would it be better for my credit score to pay off one of the larger ones?