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How do you increase your credit score after your accounts have been sent to collection agencies?

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  1. When your credit has reached this point, it is really too late to do anything about it in the immediate term. Typically when a collection agency has to come calling, you credit is totally bad. The only way to improve is to work with the collection agency and find some way to pay down your debt. Over time, your credit rating should improve if you keep up the payments. Good Luck!
  2. It will take a while, but by working with the collection agencies and paying your bills on time your credit score will improve. You can always check into debt consolidation or bankrupcy. My ex declared bankrupcy about ten years ago and his credit's doing better. But bankrupcy is really a last possible choice.
  3. You can't your score is,... well,....bad. Your score is usually a combination of available credit (credit limit minus balance), payment history (late, slow, on-time), how often your credit history is run (equifax, expirian), accounts in default (collections,) plus others I can't remember right now. So to raise your score you will have to have more available credit, on time payment history, no recent credit checks and no accounts in default.
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