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To pay or not to pay?

Established Contributor

Re: To pay or not to pay?

If these are all collection accounts, maybe they will do a PFD. Major creditors won't...integrity of the CRA reporting they say.


If these are on your credit report of charge off, your score will suffer if paid or not. The damage is done. Most likely, you still will not be able to get credit, good utilization or not.


I had a charge off that had a balance then i settled and it went to zero balance. They still reported CO account and my score still stunk.

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