@RobertEG wrote:The fact thst paying a debt wont result in improvment in your score is not sole and clear reason not to pay a debt.
It can remain as a reason for denial of credit, regardless of your score.
This is true. Chase and Barclays wouldn't approve me for their CC when I had a unpaid collection that was due to a CapOne chargeoff, as soon as I paid and it reported it I recon'd and got approved.
Even though FICO doesn't distinguish between paid/unpaid, lenders do.
