HELP!! How do you pay off collection accounts on your credit report?

First - I do NOT have any credit card debt. I have a little under $4,000 on my credit report. I am at another website and a bunch of people are saying that I should validate the debts first. Some say that a pay to delete letter won%26#039;t work, even if I offer to pay the amount due in full. I am confused!! Here is what I owe and what it is and all:

Amount-Opened-Last Report-Debt Type-Falling off-State from

1) $230- 1/10/2007- 12/15/2007- Past Landlord- Aug%26#039;10 - WY

2) $205- 9/07/2005 - 11/10/2005 - Pay Loan - Dec. 2011 - WY

3) $153- 4/29/2005 -05/16/2005 - Bad Check - Jan 2012 - WY

4) $193- 3/01/2005 - 01/04/2008 - Gas Bill - Nov. %26#039;11 - NV

5) $663 - 7/31/2003 - 03/23/2007 - Hospital Bill - Oct %26#039;08 - NV

6) $2239 - 5/1/2002 - 06/1/2002 - Dentist Bill - ??????? - OH

7) $115- 4/10/2002 -12/29/1007- Medical Bill - June%26#039; 08 - NV

8) $56 - 4/01/2002 - 05/01/2002 - Phone Bill - ????? - NV

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HELP!! How do you pay off collection accounts on your credit report?

These deogatory accounts will remain on your credit file for 7 years and 180 days from the date noted. You should try to challenge each account and they will be removed if the creditor does not respond with validation within 30 days. Then you should try to make deal with creditors/credit collection agencies for pay-to-delete so that you pay the account and they will remove it from your credit report. make sure you get that in writing. From now on pay all your bills on time and don%26#039;t spend money you don%26#039;t have.

HELP!! How do you pay off collection accounts on your credit report? loan

These are all bills you didn%26#039;t pay??

If you pay them off - they will continue to stay on your report - BUT, they will mark that they have been paid off.

what would I personally do??? Start paying my bills - and I wouldn%26#039;t even bother paying these because there are so many- i%26#039;d start getting my credit up in 7 years. and start saving money for things that you need to pay off now.|||If you%26#039;re willing to repay these delinquent bills, contact each of the creditors and arrange a payment schedule you can adhere to... Do not agree to a payment schedule you can%26#039;t honor, it will work against you.

If you have addional fees such as late fees, interest or finance charges, you may want to negotiate lowering these fees or eliminating them all together if you honor your payment schedule and repay the debt within the alloted period of time.

Regarding payday loans, link to the source line below to see how payday loans work against you. Note: Scroll down to the second article %26quot;The Pitfalls of Payday Loans%26quot;.