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Old debts and settlements

Hi everyone,

I had trouble with credit cards and these defaulted around 2010. These have been passed around various collection companies and I have always continued to make very small monthly payments to these companies. My credit file shows no record of these debts. I have received a letter offering me 80% discount off one of these debts. I would pay it but it does mention that it could report that the debt is partially settled 'if your account is being reported to credit reference agencies'.

I don't want to pay this settlement if it awakens something in my credit file to show these debt problems again.

Any thoughts on this?

Thanks 

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