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online45

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IF I PAY OFF MY BAD DEBT OF 1,I64.00 WILL THAT IMPROVE MY SCORE?

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No, the damage is done.  Your score will not go up because you pay it.  I would try to do a "Pay for Delete".  Look it up and try to negotiating with the creditors.  Your goal should be to get the derogatory items off your credit report.  This is what will bring up your score.

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