[uscreditreview]

I started working on repairing my credit on feb 15 and my highest score was 529. Last week I checked my reports and all 3 were over 600! A few days ago I payed off all outstanding collections... how much more do you think it will go up?

[Pale Rider]

It may actually go down depending on how they report the payment. Many times the way they report makes the activity on the old collection appear recent. With age being an important factor in the score, you can easily lose points. Also, a paid collection is still a collection. The paid notation does not help the score much if any.

[apexcrsrvc]

Doesn't help at all and as Pale stated, it will probably go down a bit unless you had absolutely no avaliable credit. If you had no avaliable credit (revolving), then it may go up some despite the tinkering with the date of last activity/status.