Free Credit Repair Tips 7 - Pay Collections for the Quickest ResultsFree credit repair tips 7 is the fastest way to raise your credit score. Use this coolest tip to improve your credit scores on your credit report. This tip in credit repair is the quickest way to improve your credit scores. It helps if you think the way the "computer" thinks. People who are about to default on their loans start by getting behind on their phone bills, credit cards, and other accounts. Any unpaid collection or "30 plus day-lates" on your revolving accounts can lead to 30 or more points deducted from your credit score. The good news is paying collections is one of the fastest ways to raise your credit score. The best way to do this is to call the collection company and ask the question: Do you delete? When you ask this question you're talking in "collectors language." You are asking if the collection agency will completely remove your debt from the credit reports if you pay your debt. 
Now let's get our surgical gloves on. Be sure to negotiate with the debt collector to have the account deleted from your credit report in exchange for the payment. It is a good idea to put these negotiation in writing. How can you do this? First you can send your request in writing by offering a settlement payment if the collector deletes the account from your credit reports. If you do this, wait for a written response from the collector before taking any action.Second, if you negotiate by phone, ask the collector to mail or fax you a letter including the terms of the agreement before making a payment. I want to prepare you, most collectors will want payment in full. When this happens, offer to pay in full in exchange for the collector deleting the account from your credit report. Be sure to get this in writing and wait for a response before payment. Of course you want the collection removed from your credit report. But if they will not remove it completely, have them update your file as "Paid in full." Remember to get the agreement in writing before you pay the account in full. Check with the collection agency to see if they have an up to date computer system that can remove your debt from the credit bureaus immediately. If they do, you will be able to have your collection cleared in 24 hours. Perhaps the collection agency will not "delete", well pay them anyway. Keep in mind the "collection paid" showing on your credit report is much better than a collection owing. So if you need your credit score raised in a hurry, use free credit repair tips 7 to accomplish this. Proceed to free credit repair tips #8 next.
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