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I have 3 collection accounts that I would like to pay off. Should I pay through the CA or try to payoff through the orginal account holder? (of possible). Would one way be better than the other? They are all right around 3 yrs old
It varies, depending upon who now owns the debt, which party or parties have reported to a CRA, what, if any, reporting you seek deleted as a condition for payment, and the SOL status of the debt.
Stragegies vary based on those primary factors.
Be sure to take a look at the Rebuilding subforum and its stickies.
@takeshi74 wrote:Be sure to take a look at the Rebuilding subforum and its stickies.
On that forum there is a lot of info about different ways to do this. WHen I rebuilded, I basically did everything based on the info there. Good stuff.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |