We can only advise you about the benefits and disadvantages of paying past due collections and judgments. Ultimately, it is your decision to make. We encourage everyone to satisfy unpaid debts that you owe; however, if they are past due collections, you must be aware of the impact it may have on your credit.


Paying off a collection account does not mean that it will be removed from your credit file. Once you pay a collection, it will report for seven more years from the date the payment is made. If payment is made and the account is updated to recently “paid,” then it will have a greater impact than a collection that has been unpaid for a period of time.


If you want to move forward on paying collections and wish to have them removed, we recommend you use the "Pay for deletion letter" provided in the resources area.


Using the pay for deletion letter does not guarantee that the item will be removed, but it does greatly increase your chances. Be sure to utilize it before you make any settlements or payments.