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I have a bunch of bad credit that I need to get taken care of. Do I need to pay off my old debt?
Do I need to pay it off or will it come off my credit history after 7 years? Also, is there a company that can help me out with this? I have a few utility bills that have gone to collection. Also a credit card, a cell phone bill that has gone to collection. I just don't know what I need to do or how to get in touch with them as they are not contacting me.
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