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MAXIEBEEN

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credit in collections since 2008 some say wont help paying them off because it wont shoe on report

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The rules are this:  If left unpaid, it will fall off your credit report 7 years from the date it went delinquent.  If you pay it, then it falls off 7 years from date it is paid in full (or settled for lesser amount).  It will show as paid with a zero balance, but it will still show up.  If you want to pay it off and have it removed, you can contact the collector and ask for a "Pay Per Delete", and get in writing from them that they'll remove the account from your report once it is paid.  So you can either wait it out or negotiate a PPD.   Hope this helps!

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debt collector

I HAD TWO CREDIT CARDS IN 2004/06 THEY WERE CHARGED OFF AS OFF A COUPLE MONTHS AGO WHEN I STARTED PAY SOME LINGERING STUFF OFF THESE APPEARED THEY ARE NOT ON MY CREDIT REPORT I DON'T KNOW WHAT TO DO  ? THEY ARE ALMOST TEN YEARS OLD

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