Wondering what impact unemployed has on my credit score.

Real Live Human / to me / show details / Mar 4
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 Real Person
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Bo Majors
to RP / show details / Mar 4
Has no effect at all
bank account, job, nothing
only credit related issues
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Real Person back to me / show details
kay, 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?
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Bo Majors / to real live person / details / Mar 4
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.