Question about paying collection account that are getting ready to fall off report?

[Anonymous]

I pulled my credit reports and one of them has I think like 10 potentially negative collection accounts.  I also noticed that about 7 of those will be falling off within the year.  However, we were hoping to be able to buy a home before a year is up.  Should I send them the letter about paying for settlement and removing from report, or should I wait and let them fall off?  Most of these are medical collections.  Any advice would be appreciated.  You guys are great at this.  If the time is almost up I defenitely do not want to start the 7 years all over again. 

[Tuscani]

Paying never restarts the clock. If they restart you can sue.

[bmr4blu]

You should wait and the lender will tell which ones you should pay when you are applying for a home loan. The lender will advise which collections should be paid before escrow can be closed or before you can be pre-approved.