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  1. C

    Can I afford a house?

    @aprilranta Talk to a credit specialist before doing this, everything I know about the subject is that paying it off if it’s more than a year old can actually hurt your score. Even talking to them on the phone and admitting it’s your debt can reset the clock on the 7 years it takes to fall off...
  2. C

    Can I afford a house?

    @dantheman1999 Why pay off the old debt already in collections unless they agree to delete if paid in full? Wouldn’t that hurt the credit rather than help?
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