Will paying off a collection raise my score?

Sometimes. Under FICO 8 (most common scoring model), paid collections still hurt your score. Under FICO 9, FICO 10, and VantageScore 3.0/4.0, paid collections are ignored. Mortgage lenders typically use older FICO models, so simply paying may not help you qualify. Here at Credisure Fix, we focus on getting collections removed entirely rather than just paid.