Do I need to pay my bills?
If there are delinquent questionable listings appearing on your credit reports that have not been paid off, the actual debt behind the account remains the same even if the account is deleted from your credit report. You may still owe the same money that you validly owed in the first place subject to your state's applicable statute of limitations. If you don't pay the debt, the creditor or a collection agency may re-report the listing.
Removing a negative listing without addressing the debt is only a temporary solution. In fact, we will only dispute credit listings that you indicate are inaccurate, untimely, misleading, biased, incomplete or unverifiable. If you feel that a negative credit listing is 100% accurate, timely and verifiable, then do not dispute it.
Sometimes a collections agency will report a debt to the credit bureaus that you do not owe.
In these cases, debt validation procedures like those offered in any of our service levels may be necessary to remove the collections from your credit reports.