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Jago22

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pay off collections, or build new credit
I'm just looking for other experiences with this. most of my collections are older, so i'm not sure if they are hurting as much, but still hurting so i'm not sure where to focus first.

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How old are they? They fall off your report after 7 years. It won't really help you to pay them so I'd just let them wait it out until they come off of the report. You could also dispute them and see if you can get them removed. I disputed one of mine and a month later it was gone. 

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