http://www.credit.com/forum/posts/list/17.page JForum - http://www.jforum.net http://www.credit.com/forum/posts/preList/417/1381.page http://www.credit.com/forum/posts/preList/417/1381.page GMT
Can you clarify what type of old debt you are talking about? A collection account?

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Whether you settle it or pay it in full makes no difference as far as your score is concerned. In fact, paying it will not help your credit unless you can negotiate to have it removed completely from your report. That doesn't mean you shouldn't pay it. I do encourage you to pay your debts so you can put your past behind you. I just don't want you to be disappointed if your scores don't go up once those accounts are paid off. ]]> http://www.credit.com/forum/posts/preList/417/1410.page http://www.credit.com/forum/posts/preList/417/1410.page GMT