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Why bother paying off negative accounts?
I have been trying to clear my credit report up for almost a year now. but get this! even if I pay off all the delinquent accounts (which i have done or am doing) they will still show up as negative 7 YEARS past the date they were reported to the credit bureaus. for example, I owe one person $1249 right now, and have an agreement to pay $250 a month, which will show it fully paid off and closed in August of this year... but it will STILL be listed as a negative account on the credit report until April of 2017! even if i pay it off. Same for the car loan i took out in 2000, that has late payments, and even though the account is closed, paid off, in full, it will stay as a negative account until November of 2016. So I ask, WHY BOTHER PAYING THEM OFF AT ALL? All but 2 accounts that are listed in negative, are closed or settled, one will be paid off in August, the other is set to fall off in shortly after that. But there seems to be no incentive to continue to pay these off, if I still have to wait until April of 2017 before they will be removed from my report.

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