Level 2
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Credit score

If I have items that have been in collections since 2013-2015 I’ve heard a few different things. 

 

1. They fall off after 7 years

2. Take a settlement and be done

3. It’s best to pay the full amount. 

 

What do do you recommend? All of my debts are under $500ish except for one which is $3500 but I have a dozen or so, so it’s really impacting my score.