I had a bank account that was closed with a -$300 balance. The debt was sold to a CA (turning point capital). This item is not on my credit report.

I have 2 questions.

1. Do bank account debts and history not affect the credit score? Do they report to ChexSystems instead of FICO? or both? Am I just lucky this hasn't hit my credit report yet?

2. If I pay the CA and not the original debt holder (the bank), will that get reported to chexsystems improving my score with them? 

Thanks... I'm a newbie here so sorry if this has already been addressed somewhere.