what affects mortgage credit scores most?I can pay off quite a bit in hopes of helping me obtain my mortgage. What is the best way to handle? Pay off the collections? or pay on time and reduce debt?October 10 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.