A lot of our clients have problems with inaccurate collection accounts hurting their credit. Either method will prevent your credit from being unfairly hurt. Always pay your debt, just be smart about it! Here are some tips that could help your credit.⠀
1) Do NOT pay off old collections. A better strategy is to first verify the debt is valid and confirm the debt is within the Statute of Limitations of your state. Next, instead of just paying it, you should factually dispute any inaccuracies of debt to have it removed from credit, then you can negotiate a settlement. ⠀
2) Try to get a "pay for delete" agreement where they agree to remove the item from your report in exchange for payment.