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Lets see, if I was a lender, now and in the future, as how trustworthy do you think I would comparatively rate these two, or desire them as customers: 1) He has not made payments on his previous promises. He still owes others money that he doesn't seem able, or maybe it's interested in, paying. They probably have the right to seize what he owns, or makes as salary in the future. Salary/money, which if he is actually intending to pay me (unlike anyone else it seems), is what he might have expected to pay me with! And those others want to get repaid, and will have a right to an amount that will continue growing by fees and interest charges, so his expenses are actually higher already than he's telling me. 2) He seems to have had a tough period and missed payment obligations for some reason. But apparently really wanted to and worked through it, made good on his promise overall and paid them. He doesn't seem to owe others now, at least not more than he seems able to pay on what he's making.... I don't know about you...but not only would I'd sure have to rate #2 MUCH HIGHER, I'd avoid #1 like the plague!

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Q: If you have serious delinquent accounts and pay them in full will it affect your credit score positively or negatively?
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