I have less than $3000 in credit card debt that I wish to pay off with my tax refund and other refund money, but two accounts have closed and gone to collection agencies, these were done in 2012. One was closed in Oct. I think, and the other later than that. Do I pay the original creditors instead of these collection agencies? I don't want settlements because they will just report it to the IRS as income. How do I get the collection agencies off my credit report and just have the debts to the original creditors on my credit report? I want to buy a house this year and my high score is only around the 400s. Is this going to be possible to get it around 650 by May or June? I have a car, that has been late, but I intend to get it up to date this month too.