Quote Originally Posted by crazycrab
The best way is to call the crediters and make an easy payment schedule. Talk to them. If you owe them money they will take what ever you give them.
Do what you tell them your going to do.
Bro, if you're looking to improve your credit score, your best bet is to work out a deal for a payoff in exchange for the removal of the derogatory trade line on your credit report, and to get it in writing

Other wise it can sit on your credit report for 7 years.