[sickboy0122]

Hey everyone, I just joined and have lots of questions but wanted to start off with some simple ones first.

Im 28 and ordered my credit report online for all 3 reports as well as the scores too. To my surprise I noticed that not all of my debt was listed. I called one of the collection agencies from an old report that wasn't showing up on my new report and she informed me of the "Statue Of Limitations" which I thought was all BS when someone had told me about it before. Anyway, so Ive paid off all of my debt except for 2 medical bills that are scheduled to fall of June of 2010 (statue of limitations)

Im debating on paying them off, or riding it out till next year. My question is would you suggest paying them off instead or will this sort of thing actually affect my report when I decide to apply for credit cards or loans when the time is right? I was told that Student loans and Medical Bills are not really accounted for when applying for credit. Does that mean that as long as your making payments and they haven't gone to collections or if they have gone to collections? The steps that Ive taken as far as the other stuff that Ive paid off is: Ive disputed online for the things that are showing up still, but that have been paid, and Ive also sent letters to all 3 credit bureau's along with the payoff letters from the collectors asking to have these things removed from my credit report.

There was a total of 4 things that I paid off, my score was 582 across the board, will my score go up much after the 30-45 days after this stuff hits my report? What options will I have afterward?

Any suggestions would help a lot. Thanks in advance.
Sorry if this thread is long.