How does unemployment, student loans and collections affect my credit score?

Live Human
to me / show details / Mar 4 (5 days ago)
Hello
I got flipped around on your website, redirected to transunion(wouldn't let me log in, then couldn't get through on phone!!!), I am wondering what the impact of not being employed (full-time student) has on my credit score. Will this increase dramatically once I graduate and become employed? I know my debt-to-income ratio will, how will this affect my credit score? Also, what about accounts that are over 5 years old and still not paid? Should I negotiate with these creditors to pay and have this removed? How long will it take for them to reage or remove ususally? thanks
Live Human
---------------------
Bo Majors
to Live Human / show details / Mar 4 (5 days ago)
Has no effect at all
--------------
Live Human
to me / show details / Mar 4 (5 days ago)
okay, thanks. so what would you recommend to me if I have 3 collection accounts and 4 accounts (student loans) that are deferred until l2/07. Should I pay off these collections? I was told by citicreditmonitoring (accessed from you website) that this would actually lower my credit score by 8 points! How can I increase my credit score?
- -----------
Bo Majors
to Live Human / show details / Mar 4 (5 days ago)
Keep 3 open lines of credit and pay good for 1+ years
Do not get any more bad credit.
Remove bad credit files if possible
Pay off loans and debts

If paying the debt off only reduces your score 8 points I would do it just to say I did it.
-----------------
Live Human
to me / show details / Mar 4 (5 days ago)
Thank you, i appreciate you taking the time to help me! How do I get bad credit files removed? will writing to the creditor accomplish this? thank you!
Forward
----------------------------
Bo Majors
to Live Human / show details/ Mar 4 (5 days ago)
sometimes yes sometimes no
use my dispute form and hope it works