Hi Bo my lowest score is a 529, I figure if I work on bring up the lowest one

Quoting REAL PERSON

> Hi Bo my lowest score is a 529, I figure if I work on bring up the lowest one, the other 2 will be raised simultaneously. Most of the accounts in question are listed with all 3 agencies. My problem is collection accounts and credit card charge off. How do I determine which accounts to pay off first and therefore will raise my credit score the most. Listed are the accounts in question. Please advice in what order I should settle these accounts and if possible how many points I can expect my score to be raised by paying off the account.
Collection account- opened Oct. 2005 balance $302.00
Collection account- opened Aug 2005 balance $1137.00- this account reappeared on my credit report after removed (old credit card)
Collection account-opened Dec 2003 balance $430.00
Collection account- opened Feb 2005 balance $628.00
Returned check-opened 5/2000 balance $102.00(past due $127.00) identity theft. This account is also listed on another line as lost or stolen with zero bal.
Installment account (loan) opened Jan 2005 balance $360.00(past due$384)
Credit Card account- opened Dec 2004 balance $419.00
Credit Card account- opened Dec 2004 charged off balance $0.00
Collection account-opened Aug 2004 balance $34.00
Collection account opened Jul 2002 balance $2046.00
Per Credit Report account type unknown (credit extension, review, or collection) opened May 2001 balance $403.00
Per Credit Report account type unknown (credit extension, review, or collection) opened May 2001 balance $55.00
Credit Card account- opened April 2004 balance $509.00
Collection account- opened May 2005 balance $321.00
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dispute the 2001 and older stuuf first
only dispute 4 at a time

negotiate with the other collections to have them removed totally if you pay
in full + fees

if they will not paying will not help your score much
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