I have 4 things in collection....3 are doctor bills....How can I get rid of these? Is it true...If you pay them off..They will make your credit score lower? They are from 2010, so they will be on here a long time...That should I do? They are the only thing that has a red flag on it...I am new to this and want to see what I can do to get help....
Officially, paying any CA will not make your score any lower. Personally I had issues but that was more geared towards CAs reporting as an account vs. a CA. But there are many posts in here saying their score never changed after paying a CA.
If wanting to take steps (I would), send a DV letter. If they verify and you agree, then send a PFD.
If funds were available, I would offer a PFD for those accounts. Medical, as a general rule, are easier to deal with.