If you’re not in a hurry just wait. Don’t talk to collectors and if u do be straight up and tell them you’re not paying. If u make any payment to them it will restart the 7 yrs. I successfully disputed 8 accounts off of my report on Credit Karma. If you have any medical bills in collections they are the easiest to dispute because the collection companies have a hard time getting original info because of HIPA laws.
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