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princesssh28

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Does it really matter if I pay off old debt I have reestablished good credit
If it will help score does it matter if I settle or pay in full

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Paying old negative debts, collections and such does NOT help your credit in any substantial way unless you get a "Pay For Delete Agreement" which removes the negative account from your credit reports. Simply getting an old collection account marked as paid does nothing to help your scores, but it can help you from being sued and it would look better than an unpaid collection under manual review of your credit reports. So should you pay them? Can you still be sued for them? Find out if the accounts are within the "Statute Of Limitations" to be sued for debt. Will the accounts fall off your reports soon? Do some reading about the seven year reporting time for negative information on your credit reports. Does it matter if you pay in full or settle? Doesn't make much difference at all.

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