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There is no way to predict what will happen in your specific case. But, generally, collection accounts are not only active after 2.5 years, but get sold to other agencies and show in a duplicated manner on your credit report, often with double the deficiency balance showing. It is always in your best interests to pay what you owe, or settle the account.

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Q: Should you pay a collection acct that has had no activity for over 2 and one-half years or dispute it in hopes that the agency has purged it from their records?
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