What is the name of your state?indiana
I've been reading different opions on this, if the debt was charged off over 3 years and is in collections does it effect your credit rating less then if you would start paying on now. I've heard once you contact the collections it marks it as current and brings your rating down even lower.
I've been reading different opions on this, if the debt was charged off over 3 years and is in collections does it effect your credit rating less then if you would start paying on now. I've heard once you contact the collections it marks it as current and brings your rating down even lower.