I have two medical collections, two separate CA's. Both are showing date opened 4/1/2008 and are due to fall on 11/2014. One has been reporting derogatory every month starting in Jan of 2013 ($60). The other is showing derogatory as of April 2013 ($51). I have tried to get a PFD and were no on both. Should I pay to stop it from reporting KD every month or would I do more damage by paying them then what the KD reporting is doing for my score?