So, I have about $8000 worth of debt. And poor/fair credit. Most of my collection accounts are medical debt from when I did not have health insurance. About $1000 is with Certegy from two checks form 2005. About $2880 of the medical debt is with a lawyer. About $2000 of the debt is from 2004, so it will be dropping off my credit report very soon. These are with a CA which also hold 4 other accounts which are much more recent. After ready through a great deal of the posts here (which are more helpful than anything else I have ever found, thank you), this seems like a good game plan: Send NDA PFD letter to Certegy, offering to pay full in exchange for removal Send letter to CA holding other debts, specifically referencing the newer debts and not mentioning the older ones. Also NDA for PFD Can I do the same with the lawyer? From what I understand, paying these without negotiating deletion will do nothing for my credit score. If I canâ??t negotiate PFD, am I better off going to the OC and trying to negotiate a smaller payoff amount? Any other options? Iâ??m not trying to make a huge purchase or anything anytime soon, just generally trying to improve my credit. Regarding that, I have one secured card and one other card with very low limits that I pay off every month. I have just realized that my utilization is too high so Iâ??ll fixing that right away. I had read it would be a good idea to get a store credit card too. Iâ??m not ready to go for an auto or personal loan just yet. So, any other comments or advice?