I know this isn't the right place for this, but I didn't want to start a new thread.
I have a couple accounts in collection that are delinquent. Both are pretty small, $95 and $135. They are hurting me from building my credit score. I can't get approved for credit cards or anything else to improve my credit score so I can eventually buy a house. Will paying off these old accounts raise my credit score or, at the very least, allow me better odds at being approved for a unsecured credit card? I've read a lot of mixed info, some saying that paying them off essentially does very little and you should just wait them out.
I have a couple accounts in collection that are delinquent. Both are pretty small, $95 and $135. They are hurting me from building my credit score. I can't get approved for credit cards or anything else to improve my credit score so I can eventually buy a house. Will paying off these old accounts raise my credit score or, at the very least, allow me better odds at being approved for a unsecured credit card? I've read a lot of mixed info, some saying that paying them off essentially does very little and you should just wait them out.