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family its your girl Jazzy Mac and I am here to tell you why you need to stop paying your collection account yes you heard me right i said stop paying your collection accounts and trust me people my credit score is in the 800s and this is the same exact strategy that i use when ive raised my credit score so listen up people the reason why i am telling you guys to not pay your collection accounts is because there is a very very common misconception that if there are collection accounts on your credit report that all you have to do is pay it off and then its going to boost your credit score your credit score is going to magically increase when you pay off your collection accounts im here to tell you that according to the fdcpa laws and according to the credit reporting system of scoring that is not how credit works and i will tell you why anytime you have a collection account on your credit report that account is going to have the same weight or impact or your score no mat