Is it possible to improve scores with large collections? Advice please!

Hi, I have about $7000 in collections from Natl Crysis from broken apartment leases due to job cutbacks and job loss in 2014. I've been able to increase my scores out of the 490s now to the low 500s since June. I was able to get an auto loan through Toyota Financial (miraculously!) and payments start on the 15th of this month. I have a secured card through a credit union but it only reports to Experian and Transunion. I've been declined for pretty much every other secured card I've applied for...which I didn't know was possible, but still have a couple options left like OpenSky. Fingerhut is reporting positively as well. Assuming from here on out I pay my bills timely and maybe open one more secured card, can my scores continue to increase? Or will the huge amount I owe in collections hold me back until they fall off in 5-6 years? I've got some other small collection accounts around $1000 total that I could pay off if that would help but the ones from Natl Crysis I've pretty much decided I can't pay any time soon since it's just such a large chunk of money even if I settle. What do I do?

rockbottom11 wrote:
Hi, I have about $7000 in collections from Natl Crysis from broken apartment leases due to job cutbacks and job loss in 2014. I've been able to increase my scores out of the 490s now to the low 500s since June. I was able to get an auto loan through Toyota Financial (miraculously!) and payments start on the 15th of this month. I have a secured card through a credit union but it only reports to Experian and Transunion. I've been declined for pretty much every other secured card I've applied for...which I didn't know was possible, but still have a couple options left like OpenSky. Fingerhut is reporting positively as well. Assuming from here on out I pay my bills timely and maybe open one more secured card, can my scores continue to increase? Or will the huge amount I owe in collections hold me back until they fall off in 5-6 years? I've got some other small collection accounts around $1000 total that I could pay off if that would help but the ones from Natl Crysis I've pretty much decided I can't pay any time soon since it's just such a large chunk of money even if I settle. What do I do?i have 1 paid collection and 6 late payments (120+ days) from a Cap 1 card on TU/EX, my scores are 670/686. 6 late payments on EQ with no collection, EQ is at 700. so yeah, get some revolving credits rolling then ur scores should go up. the amount of the collection doesnt matter i think, a paid/unpaid collection have the same affect on your scores.

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bigdelboy wrote:
learner1 wrote:
Hi,
Back in Mar 2010 , i appeared for 1Z0-051-ENU Oracle Database 11g SQL Fundamental exam and scored 61% ( 60% is passing ), the idea was to complete OCA, however i wasn't regular to do rest of the papers.
But now i am back on track, and thinking to clear OCA.
My first question is is it possible I can reattempt 1Z0-051-ENU Oracle Database 11g SQL Fundamental one more time to improve score, i am not sure if this is going to be a good idea or rather i should concentrate on clearing 2nd exam required for OCA i.e. Oracle Database 10g: Administration I or
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Scores are irrelevant. (Though knowledge and experience are not, and a low score is an indicator you may need to study the area further).
Exam Passes are relevant.
Only exam passes, not scores, count towards certification.
Certifications are relevant.
second option could be
if re-attemtping 1Z0-051-ENU Oracle Database 11g SQL Fundamental is not possible since i have already passed that exam, how about giving may be 1Z0-047 Oracle Database SQL Expert ?This is a better choice if you want to study SQL further through certification, but be aware the SQL knowledge required is more advanced and the exam harder, but passing does give a certification.
It is your choice whether to proceed with the OCA you have in mind or the OCE.
As far as my exp. goes , i have close to 12 years in IT, my db fundamentals from admin perspective are decent, since i work primarily on ERP system & my intention is to move towards db admin
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Thanks bigdelboy for the clarifications. The reason why i got confused was if i go for a interview after getting OCP certification and the recruiter asks me what's my scorein various papers ... then it might be little awckward to tell, howevere since retaking passed exam is not a option, i guess will start to work more harder for remaining exams.

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