I am in thep process of prepping to apply for a refinance but I need to improve my score. I have 5 negative cc accounts (two cap one) (one hsbc bnk) (one credit one bnk) and once collection (midland funding). All of these are scheduled to fall off around 8/2016. My questions are:
1. If I pay the balances, will that restart the reporting period on my CR for another seven years?
2. Odds of success by contacting the CR Agencies and asking for early deletion since its within six months?