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nanny134

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is it better to pay off collection debt in full or pay the settlement amount

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If the collection agency offers a settlement amount so they can get the debt cleared up, you would be smart to take that instead of paying in full.  It would have been even smarter to read the articles here during this time since you signed up so you could learn how credit really works and might have been able to negotiate a better settlement and, even better, known how to pay the bills so nothing went into collection, which does lower your score. 

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