Is there a way to pay off old debts and clean my c

Is there a way to pay off old debts and clean my credit report? Is it worth paying or should I wait 7 years? I cant get a line of credit on anything..please help

4 Answers

Paying a debt does not remove them...they continue to report for the 7 years.

Really there is nothing positive about paying collection accounts.   There is no rise in score for paying them off. Only positive thing is paying them off to avoid being sued...a judgment will lower your score further.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

Some are old some are from the past year or so. SoaPlady...is there no good caused by paying them? Can I not request that they get taken off after paid in full? Is my only plan to wait 7 years? There has to be something I can do that\'s positive


How old are the debts?


You will probably not get the line of credit if you pay it off...the damage is already done.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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