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Are you able to make payments to a collections agency if it's a large amount that you can not pay off in 1 lump sum? I know you can request to pay .50 on the $1, but I was wondering if anyone was able to make payments to a collections and it looking positive on your credit?
No matter how you pay a CA it won't look positive on your CR. Even paid they are still scored the same.
Making payments wont help your score, but it could certainly help your overall credit.
If your credit report shows unpaid, delinquent debt with no efforts to pay, it implies that dont pay your debts. That will raise concerns for a new creditor.
Showing that you are making effort to pay, and ultimately that the debt has been paid, mitigates those concerns.
That, to me, is a big positive.