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Paying off Debt
My Citi Card was sent to Cortez, Jenkins, and Blair.... they have sent me a letter to pay off what I owe. I think it is about $3500. They are giving me the options of a payment plan or paying it off in full. I have the money to pay it off in full. Should I just write them a check? How should I go about this? I also have an Old Navy account that has been "charged off" which is about $200... and I want to pay it off. Once I pay these off, will my credit start increasing?

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