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In this tutorial, Jazzy Mac explains why you should stop paying your collection accounts, emphasizing that this strategy helped her achieve a credit score in the 800s. She debunks the common misconception that paying off collection accounts will automatically boost your credit score. Instead, she references the Fair Debt Collection Practices Act (FDCPA) and the credit reporting system, clarifying that collection accounts will continue to impact your credit score negatively, regardless of payment. Jazzy encourages viewers to rethink their approach to managing collection accounts, as paying them does not change their negative weight on credit reports.
