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Welcome to the board. I suggest you start readin' up.

<blockquote>After you pay everything that you owe on your credit, does your score goes up,and does everything thats "negative" on your report goes away?

</blockquote>

The answers to your questions: a) possibly b)no

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A warm fuzzy welcome to you, jennyjen

Before you start paying off your creditors/collectors, you need to read up on debt validation and different strategies. A little bit of research goes a long way. Although making a payment doesn't extend the 7 year reporting period (nor removes it) it does extend the SOL which is a set amount of time they have to bring legal actions. This varies by state and you can read more on this on the link on top of this page.

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