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Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Call us today to take advantage of our no-obligation offer.
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Lexington Law FAQ

Does Paying My Bills Restore My Credit?

You would think that would be true, but the credit reporting system just doesn't work that way.

When you pay an old debt, the negative credit listing doesn't disappear. Once paid, it may appear on your credit report as a paid delinquency, charge off or collection (whatever the case may be).

Unfortunately, if your goal is simply to repair your credit, merely paying off your debts won't get you there. You also need to work to restore your credit at the same time. Of course, paying your debts in a timely manner may prevent future problems with your credit report.

Repairing bad credit is a significant challenge for most consumers and we're here to help. Lexington Law has developed a four step method for credit repair that has proven to be effective for hundreds of thousands of clients.

Be forewarned, sometimes settling a debt will actually lower your credit score.

When settling outstanding debts, request that your creditors stop reporting the account or mark the account as "paid in full" in exchange for payment.

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