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What's the point of paying Collections, if the original creditor remians on file as closed or charged off for 7.5 years?
So you don't get sued? What'd I win?
It's all past SOL and nearing exclusion.
A few will quote moral ethics here, but mine is a goal of a clean report at all costs, as well as reducing litigation threat, which can still happen after SOL, as it's a defense move to make in front of a judge, not an absolute. That's why JDB's go crazy for judgements.