paying off old bad debt

[arugula]

I ahve a question regarding some old debts that I want to clear off my credit report. Is it advisable to pay the collection agency or to pay the original creditor?

[arugula]

bump

[llecs]

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

Depends on who is reporting and who owns the debt. Ultimately if the debt is unpaid, you'd send a PFD to whomever is reporting.

[arugula]

It shows up twice on my credit report, that's what I don't understand. It shows up under both the OC and the CA. If I pay the CA, how does the info coming from the OC get updated? I'm confused. Can someone out there enlighten me? Thanks.

[llecs]

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@arugula wrote:

It shows up twice on my credit report, that's what I don't understand. It shows up under both the OC and the CA. If I pay the CA, how does the info coming from the OC get updated? I'm confused. Can someone out there enlighten me? Thanks.

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I just saw your other post. Are both reporting a balance for the same debt? Both the OC and CA can report, but only one should report a balance.