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    Hi Forum,

    We are attending the ATL ATD this week and went ahead and pulled credit reports so that we could address any items prior to the event. My wife has a collection from 2017 that is on her report and unfortunately they will not settle. Would it be best pay this even though I anticipate it affecting our MRF savings? I’ve read conflicting things on the forum and hoping @ttrumble or one of the experienced people here can shed some light!


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