Check Credit Report

Kevin V asked:


I would like to settle a few closed credit accounts that have been charged off and bought out by debt collectors. The collection agency is offering me a discounted rate to pay off this account. If I choose this option, will my credit report eventually show this account closed and paid off, as stated by the agency?

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Simpson C asked:


If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?

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