So I pulled my credit report yesterday and I have 8 collections (5 of which are medical), 1 should fall off this coming march, the other 2 Ipaid to delete. Now Im confused cause I have 3 accounts that are repoting bad debt and a $0 balance on them. They're not  in collections, but WILL they be sent to collectons? They have not reported since January 2012. What should I do? Pay them off?