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I am currently trying to improve my credit score. I have made some mistakes in the past and am paying for it now. My credit score is currently 550, up from 510 in July. I currently have 3 accounts in collections, none of which will do pay for delete. 2 of them are hospital bills, one for 1330.00 and one for 470.00. I am currently disputing them, hoping that they will not reply back to transunion. The 3rd is a bill to Sprint that is also in collections. I owe 1200.00 and have negotiated them to do a settled in full amount of 517.00.... Is this a good amount and idea. I have other negative marks on my credit, but all of them are closed. I currently have one active Credit Card with up to date payments. My horrible credit score is the result of being careless when I was younger and I really want to fix it. Any advise on how to handle this would be great.
