To pay or not to pay?

QuestionsTo pay or not to pay?
Doug McCaughey asked 6 years ago

Hello everyone!

 

I’m currently process of rebuilding my credit, I have combed through my credit report and notice I have (4) accounts open for collections.

 

I am in a financial position to pay these off but I wanted to get some advice on the best way to approach this?

 

Do I just call the collection company and tell them I want to pay this in full or do I try and settle on the amounts? 

 

They are as follows,

1.

Last Reported- Oct 19, 2014.  Collection Agency-ENHANCRCVRCO.  Original Creditor-COMCAST CABLE COMMUNICATIONS. Status- Open

Responsibility Individual Balance- $ 102
 
 
2.
Last Reporte- Jan 31, 2014. Collection Agency- PACIFIC COAS. Original Creditor- Imaging center. Status- Open. Responsibility Individual Balance- $ 102

 
 
3.
Last Reporte- Aug 31, 2010. Collection Agency- PACIFIC COAS. Original Creditor- Dentist.  Status- Open. Responsibility Individual Balance- $ 155
 
4.
Last Reporte- Apr 08, 2014. Collection Agency- PROF CREDIT. Original Creditor- NATURAL GAS.  Status- Open. Responsibility Individual Balance- $ 103
 
 
I have 2 Capital One Credit cards that I have kept in good standings for the past year now but just cant seem to pull my score out of the 500’s. I am hoping getting these accounts paid off will help me out. I am Getting married and hoping to buy a home in the next couple years and any advice would be greatly appreciated!.
 
 
 
Thanks Smiley Happy
 
 
 

 
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