Both collections show a date assigned to them for collection of 4/2008.
While that is of some help, that merely reports the date they opened their collection.
Exclusion of the collections is based on the DOFD on the OC account, which is not provided. DOFD must be prior to the collection, so it will be prior to 4/2008, with credit report exclusion required no later than 7 years plus 180 days after the DOFD.
Once the collections become excluded from your credit report, that will prevent one from becoming aware of the unpaid debt by a simple pull of your credit report, and seeing the presence of an unpaid collection on a delinquent debt. However, the debt remains unsatisfied, and thus may affect the grant of new credit if the creditor becomes aware thru other means. Not paying based solely on credit report exclusion thus always runs the risk of future problems.
Aside from the fact that it is against the terms of service of the site to advise not to pay legitimate debt, it is always beneficial to satisfy any unpaid, delinquent debt.
Expiration of both SOL and credit report inclusion may act as incentive for the the owner to settle for much less than the full amount of the debt, and with CR exclusion having passed, it wont show in your credit report.
