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Not only will your credit score increase over time, you won't pay as much interest -- which, if you think about it, is just giving the credit cards money you prefer to stay in your pocket.
Say your spouse has a credit card with little or no balance and a great payment history; if he or she agrees to add you as an authorized user on that account, from a credit score point of view you automatically benefit from her card's available credit as well as her payment history.
At that point, I decided to pay them right away and argue with the insurance company later, but both collections wound up on my credit report. I clicked the "dispute" button that appeared by the account, selected "The creditor agreed to remove my liability on this account," and within a week the dispute was resolved and the entry was removed from my credit report.
Keep in mind some disputes will take longer than others. They'll simply ignore the request -- and if they do ignore the request, the agency is required to remove the entry from your credit report.
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I had two from health care providers I used after having a heart attack; my insurance company was extremely slow to pay and kept claiming it had paid while the providers said it had not, and eventually the accounts ended up with a collection agency.
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