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pacmankilla1991

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Will paying off a debt before it goes into collections affect my credit?
I have 3 accounts that I know I owe on. 2 banks from when I lost my job and allowed the accounts to be closed due to overdraft and no payments. I also owe beach body from p90x. I oowe capital one around $65 ,regions $55, and beach body $87. I have a job now and would like to pay these before the collections show on my credit report and negatively affect my score. But I would like to know if just paying the debts and acknowledging them would negatively affect me? They are all around 2-3 years old. I am just starting to build good credit and get approoved for better credit cards and rates and don't want to take steps back over $200 bucks. Also,I pulled my credit report last year and they did not show on my report.

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given the small balances

they may have just written them off. 

If you have not received a bill form them, and they don't appear on your credit report then most likely they aren't trying to collect.

You may want to pull a fresh credit report to be sure.

Good luck

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