1) Some people say paying on collections brings the account activity to new and may hurt me. Should I still pay? 2) How do I get the negative report removed after paying? I have read responses saying to get in writing that they will remove the listing when I pay it in full. 3) How long do they have to remove the listing? 4) If I have closed accounts that are negatively effecting me, should I have them removed? 5) Which accounts are the most important to pay off?