To pay or not to pay?

Hello everyone! I'm currently process of rebuilding my credit, I have combed through my credit report and notice I have (4) accounts open for collections. I am in a financial position to pay these off but I wanted to get some advice on the best way to approach this? Do I just call the collection company and tell them I want to pay this in full or do I try and settle on the amounts? They are as follows,1.Last Reported- Oct 19, 2014. Collection Agency-ENHANCRCVRCO. Original Creditor-COMCAST CABLE COMMUNICATIONS. Status- Open Responsibility Individual Balance- $ 102 2.Last Reporte- Jan 31, 2014. Collection Agency- PACIFIC COAS. Original Creditor- Imaging center. Status- Open. Responsibility Individual Balance- $ 102
3.Last Reporte- Aug 31, 2010. Collection Agency- PACIFIC COAS. Original Creditor- Dentist. Status- Open. Responsibility Individual Balance- $ 155 4.Last Reporte- Apr 08, 2014. Collection Agency- PROF CREDIT. Original Creditor- NATURAL GAS. Status- Open. Responsibility Individual Balance- $ 103 I have 2 Capital One Credit cards that I have kept in good standings for the past year now but just cant seem to pull my score out of the 500's. I am hoping getting these accounts paid off will help me out. I am Getting married and hoping to buy a home in the next couple years and any advice would be greatly appreciated!. Thanks

oregonguy1 wrote:
Hello everyone! I'm currently process of rebuilding my credit, I have combed through my credit report and notice I have (4) accounts open for collections. I am in a financial position to pay these off but I wanted to get some advice on the best way to approach this? Do I just call the collection company and tell them I want to pay this in full or do I try and settle on the amounts? They are as follows,1.Last Reported- Oct 19, 2014. Collection Agency-ENHANCRCVRCO. Original Creditor-COMCAST CABLE COMMUNICATIONS. Status- Open Responsibility Individual Balance- $ 102 2.Last Reporte- Jan 31, 2014. Collection Agency- PACIFIC COAS. Original Creditor- Imaging center. Status- Open. Responsibility Individual Balance- $ 102
3.Last Reporte- Aug 31, 2010. Collection Agency- PACIFIC COAS. Original Creditor- Dentist. Status- Open. Responsibility Individual Balance- $ 155 4.Last Reporte- Apr 08, 2014. Collection Agency- PROF CREDIT. Original Creditor- NATURAL GAS. Status- Open. Responsibility Individual Balance- $ 103 I have 2 Capital One Credit cards that I have kept in good standings for the past year now but just cant seem to pull my score out of the 500's. I am hoping getting these accounts paid off will help me out. I am Getting married and hoping to buy a home in the next couple years and any advice would be greatly appreciated!. Thanks
Any late payments on the Cap One cards? How long have you had them? what are the balances on them? Have you had any contact at all with Enhanced Recovery? When did the account go delinquent? Are there any other negatives on your reports? You need to get one more revolving account established.

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