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Hello, Everyone Im am very new to this forum, but also feel as if you guys can direct me in the right direction. I have multiple questions to ask. One of them being; I have student loans that I havent paid off yet and I am currently late on them, I wanted to know if they would accept a PFD letter, if I were to agree to pay in full the amount in which I owe them? (the account is not in collections) My next question is, will having more than one secured cc with low credit limits help me more than just having one with a large credit limit? Next one is, I Have a couple accounts in collections( about 5 of them and yes they are all mine) and I wanted to know how to go about settling these items. The reason I am asking is becasue I have the money to pay them all off but I dont want to waste my money, when I can use certain techniques that'll speed up the process of repairing my credit or even save me alot of money. Luckly, I am financialy stable to handle these accounts with no hesitation, but I became a member of this site so I can use this money wisely and also as I stated before I would love to speed up the process to a good credit score with all the techniques that I am reading about on this site. Thanks for reading my thread I hope my post isn't boring and you guys can find ways to help me out, I can get into more details with any replies, onmce again thank you and have a great day! P.S.- I believe that my scores are so low because there really isnt much on my report but my 2 student loans eqivilent to $5500 and the 5 collection items which in total 100% are around $3000. Please help me with any INFO. Age:22 state: Connecticut Scores: All of my scores are around 510-520.