On my credit reports (all 3 for the most part), these are the outstanding, unpaid debts I have: Risk Management (Ameritech) $637 First Premier (charge off) approx $365 First Consumers (join with my ex who was supposed to pay the bill) $91 Airtouch Cel (which WAS $150 and I settled for 60%, but it's still showing I owe) $42 CollectTech (Brinks) $145 Bariatric (medical bill) $135 Right now I'm using Junum and hope that all these will disappear. But from what I've read, they can come back (via being sold, etc). So is what you guys are saying is that I should settle these? Even if Junum manages to remove them? And if so, how do I go about doing that without it reappearing?