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rae- you missed the point entirely.
Paid accounts being good? Not if they went into collection not in colleciton is another story. The point is if it is a collection account and you force them to do a pay for delete then the item never appears on your credit report. Thus you have a higher score (see not average) because you have no negative history. Im not saying oyu wont get a loan but oyu will get much better terms with a higher credit score.
Ive said my peace and im done. If you really think a paid collection account is better then no negative account so be it.
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