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househunter07 wrote:
I'm wanting to know if I pay off a collection will it hurt my credit or help it? And I do have 2 charge-offs should I go ahead and pay? If I do will it cause a drop in my score?TU-619EX-610EQ-505
Paying a collection, unless it is agreed to be a PFD does not to help your FICO score. the model will still consider the late payment history. HOWEVER depending on the size of the debt, i can prevent it from being sold over and over a gain and keep it oout of the hands o zombie debt collectors that have been known to wreak havoc years later.