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carriagerun

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what happen if i do not have a bill in collection

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If you DO have a bill go to collections and you don't have any collections on your report already, you can expect a 50-60 point drop. If you mean what happens if you pay one that already is in collection, the answer is it will stay there. Your score won't change much if any, but your report will look a lot better having a closed collection rather than an open collection. 
 

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