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I have 3 old accounts in collections. Should I pay them off or let them drop off My score 647
I really am working hard to pay off everything in my credit report that was derogatory. I really want to purchase my first home at end of this year. Do I pay off old collections. I am down to 3. Old cell phone, old book account and an old credit card that I offered to pay, called etc. but now they are out of business. Please advise

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