Credit Repair/Improving Credit


Mr. Ebert,

    Thank you for your time and consideration in answering my question.  I am 29 years old and have poor credit due to significant debt that is in collections. As a young single mom - I had a period of significant illness and was uninsured.  All of the collection accounts are medical and range from 2 to 6 years ago.  I would like to 'clean up' my credit as I would like to purchase a home in the coming 3 years or so. I have been insured medically and have NO outstanding unpaid medical debt since 2011 with the exception of the previous collection accounts. I have excellent car credit and one department store card that is in good standing - as are my student loans.  
   What is the best way to 'improve' my credit rating?  I have requested a copy of my credit history from all 3 bureaus and have written down each negative #collection# account. If I settle for 50%, I could pay off more than 1/2 of the number of accounts in one swoop but the total of all accounts is roughly $16,000.  The accounts I have considered offering a 50% settlement on is only about a 1/4 of this total.  Should I pay them off in TOTAL one by one and schedule payment plans for the 3 large amounts or offer settlements as I am able to save the money necessary?
   Will doing so improve my credit, or will I have to wait the full 7 years anyway?

Again, thank you.



While the information is more specific to Texas there are some good techniques for credit here:

I think if a creditor is willing to accept an settlement for a deletion and the collection is less than 2 years old than it will help your credit score. Settling items that are closer to 6 years old may not help you improve your credit score enough to justify the funds to settle. I think it is important to pay your debts when you can.

I think another important element that is missing is a major bank credit card. Even a secured credit card would most likely help in improving your credit.  

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Chris Ebert


I can answer questions for Texas residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas state collections violations. Further I can guide consumers as how to repair their own credit with out the need for hiring a credit repair company.


For the last 10 years I have worked as a Sr. Paralegal in a law firm ( that defends debtors against their creditors. I have reviewed thousands of credit reports and under the supervision of our attorney helped thousands of clients resolve their credit issues.

The Ramos Law Firm

University of Texas at Austin

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