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Best way to handle collections?

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Hi everyone,


I've been on the board for a number of years but haven't needed to do anything for years...unfortunately I fell into some bad habits and have a number of misc. open collections on my CR.  Nothing major from a $$ wise that I can't pay, just got lazy.  So, what's the best approach to get them handled and get my scores higher?  In the past Pay to Delete used to be an option but it doesn't sound like that much anymore?


If I just pay them outright, will it be a significant improvement to my scores?  (Although it would be nice to not get random phone calls from misc. agencies LOL)

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There will be some improvement if you just pay them. But you will still have negative collection tradelines on your credit files.


If the $$$ amounts are all small, then the odds are extremely low you will ever be sued on any of this. 99% of collections are just annoying phone calls and letters. Send them each a letter saying to stop communicating with you entirely.


Then just start disputing them with the credit bureaus. There are multiple strategies. 1-2 punch is easy enough and well documented on this website.

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