Q: Would I have an immediate upgrade on my credit score?
A: A collection item will remain on your credit report for 7 years unless the company you owed money to decides to take it off before that time. Paying the fees is required if you want to take out a loan at a bank. I had to pay $400 to an apartment complex that was a collection item, before I could get my mortgage loan. Your score may go up a little, but it won't really help that much....)(
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