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Dispute the negative credit you have over the next 4 months. If it is payed off and still showing on your credit report dispute it and say it is paid. They will probably remove the negative paid off collections. Pull your own credit report at experian.com (get a tri-merged report) and then do on line disputes for everything you feel might be negative and might be in error in any way. Your credit score is low because of collections and late pays not because of lacking history most likely. I would suggest using the 11k to pay off any corrections or judgements. Both kill your score. Disputes have to be answered by the parties that placed the negative report on your credit - many do not bother answering the disputes.

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โˆ™ 2005-09-05 22:48:42
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Q: Wiil paying 111k in bills raise fico up fast or stretch out over a 4 month period?
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