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Does paying a collection raise my score?
It depends on the scoring model. Newer models such as FICO 9 and VantageScore 3.0/4.0 ignore paid collections. Older FICO versions, still used by many mortgage lenders, may keep counting them.
Before you pay
Ask the collector to validate the debt, check that the balance is right, and get any agreement in writing.
You can dispute for free on your own. If you'd like help, we're here.