I am trying to raise my credit score and I know I am in collections for a few different things. When I looked up my credit reports and saw the list of what I'm in collections for, though, I didn't see one of the things I was expecting to see. Does this mean this particular account is not affecting my credit score or showing up when banks and companies check my report? Does this mean I should basically not worry about it and just pay off the ones that ARE showing up?
Also, when I do get out of collections, will my score make a significant jump? It would just be a nice little bit of extra motivation if I knew it would improve as soon as I paid those things off.
My score is pretty bad right now, 542, and I think it is only because of all those collections. Based on the things that are showing, I only owe about $2,300 total. I don't have any credit cards (I've only applied for two at various times and got rejected both times based on my score) and I had to get my car from a buy here pay here, so even though I've made every car payment on time that hasn't helped my score. So if anybody knows some other ways to establish good credit I'd really appreciate the advice.



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