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Received a copy of my credit report from Experian yesterday, (I had to find out why Victoria's Secret denied me an 'Angel Card').
Needless to say the sight of the report is depressing.
The never ending credit problems, I've been depressed for over 7 years. Haven't had credit cards since '90. Thank heaven for debit cards.

The dollar figures are not the problem, it is the fact that the items listed on the report are very old, most of it unpaid.

It is now over 7 years later...I can pay the debt back, but now that it is "charged off", "written off" or with a 3rd party, what do I do?
Will it clean up my report or put me in a better credit standing if I pay all the charge offs?
Can I pay the original creditor or do I have to pay the 3rd party collector?
Should I go to the CCCC with this problem? Could they help?
What a learning experience.

Please help me...I am

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