<prompt> Human: I am on a mission, a mission to improve my credit score. Four months ago my credit score was 469... today my credit score is 672. Still not great, but wow.. I now have a credit limit over 2,000 on my cards and get CC offers in the mail twice a week.About three months ago I sent out 5 pay to delete offers to companies holding debts all under 500. Three responded that they would delete my debts, no bother with repayment, poof, GONE. Last night I checked my reports, the last two were removed as well, I guess they didnt want to pay for postage.There I was, all ready to throw money at them, but they didnt want it. I am still a bit in shock, but I learned... It never hurts to ask. Edit - this is in reference to past due balances on old bills, cellphone, water, medical, etc... This isnt going to work on your current CC balance, sorry.  <response>: It never hurts to askthe other day an older gentleman outside a fancy coffeeshop asked if I would buy him an egg sandwich. He seemed just senile enough that I relented his appearancehygiene was fine. The next 30 minutes after I bought him a sandwich I was questioning myself about it.Like, could have just been an old man senile or not asking for a free egg sandwich.I might try it when Im 70 