What looks worse to apt mgmt co's, Liens or Charge offs?

Posted by cm in Michigan (216.155.167.1) on January 07, 2004 at 22:50:46:

I need to pay off Lien, a charge off, a collection agency that is reporting as a late paying acct, and several 2+ year old collection agencies, but I will have to do it over several paychecks and wanted to try to rent before I was done paying it all if possible. MyFICO score simulator doesn't even mention paying off the lien, charge off or collections as an option, only the collection reporting incorrectly, but I know they matter in determining credit. How would you rank these in weight of being detrimental? I have read varying management company rental criteria's, but I have been reluctant to throw away rental application fees and have more inquiries on my report. My score seems high at 638 for what looks awful to me. Any help would be appreciated.

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