Hi family! I have 2 baddies on my Ex report that I've been avoiding for a while now...,, Applied bank for $1100 and a small collection... My reason for avoiding them is bcus I'm scared they may appear on my other reports once I contact them. This happen to me in the past... I paid a collection account in full.. After I paid they started reporting it as paid collection but the collection was never showing on my reports.. Only charge off from original creditor (Cap One).. Once that happen it drop my scores ( BIG DROP) it took months to get them up again but my EX is still low due to the 2 baddies.... I don't mind paying in full right away but I don't know how to handle approach this creditor..... Can you help me family? I would really appreciate it!
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