Funny how once I start trying to repair my credit, I get notices left and right about debts I owe. A couple of themni don’t recognize at all. I am requesting validation on all of them. My question is that I have 2 credit agencies wanting money but they don’t appear on my credit report. One wants $ 11,000 and the other wants $ 2,000. If they aren’t showing on my CR and are 4 years old, is it worth it to pay them off? I would prefer to pay off debts actively reflecting on my credit report now which brings me to my next question. Is it better to make payments or pay in full if they won’t delete? I am going to send my PFD letters next week but if they say no, is there a benefit in paying in full on one or paying down several?