Hello all! Newbie here.. Trying to get the score up, currently about 600or so. I have three collection accounts on there. Tried to dispute, came back verified and all ok (as in they belong to me). Contacted Portfolio with a Pay IN FULL for delete, they said they do not delete. Tried to email a higher up, no response yet. I guess my question is this... How many points will a score increase with a Paid in full VS a Settlement? I have the $ to pay them off, but want them removed from my credit report so my score increases. I was looking around and thinking that in the long run, a Paid in Full wou