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Hey guys, I need a little advice on how to best tackle this. I recently got my credit reports and noticed 3 accounts currently in collections: 1. $65 to Credit Management LP (OC Charter Communications) Placed for Collection 8/2013 2. $118 to to Transworld Systems (OC Old utility bill w/city) Placed for Collection 11/2013 3. $1108 to Midland Funding (OC Citibank) Placed for Collection 8/2010 (Says on my CR that it's scheduled to continue on record until August 2015, so I'm thinking about just leaving this one as is.) Basically, I'm thinking about doing a PFD on the first couple and offering 50% of the amount owed since they're such small amounts I'm hoping that the CA's will just accept. I'm also afraid that this will rally up any other old debts I may have and they'll pursue me, am I right to think that or am I safe just sending off a couple of PFD's and getting those (hopefully) off of my credit report. Any advice would be greatly appreciated! Trying to get my credit report (slowly but surely) back into shape.