The only negative marks on my credit are two medical bills, both a little over 3 years old. One is for $200, and the other $2000. If I got them to agree to pay for delete, how much would my score increase after removing the $200 bill from my report? Anybody have any idea? My score is around 675 now. I have 5 credit cards, but I am utilizing about 57% of my limits. (Ouch!) I don't have any missed/late payments, though.