According to my fako, I have 3 collection on my Cr. Medical bills total is about $ 1,500 date from 2010-2011-2012 . how bad are they hurting my credit score? Also how fast can they be taking out of my reports if i decide to pay them.. Wich brings me to my last question. Depending on how bad they are slowing my cr from going up, should i pay them or wait till they fall off ( if they ever do)??