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.
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