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You don't need a credit score simulator for paying off collections because it doesn't help. Paying off collection accounts does not improve your credit score. In fact, it will only hurt your score by updating the Date of Last Activity. This is a fact they hope you don't know about.
Paying off collection accounts does not remove them from your credit!
You might be wondering why anyone would ever pay off a collection account. You're right--there isn't much reason to unless they're suing you (which is rare for debts under $10,000).
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