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Leading-Hat7789 t1_iyat2hl wrote

You can ask the collections people to send you proof via certified mail.

However, I don’t think how much you pay matters for your credit score. You might get lucky and it is never reported. If it is reported, you want to start the clock for having it fall off. I’m not an expert, but credit karma has a good article: https://www.creditkarma.com/advice/i/accounts-in-collections

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