tak3032 asked:


I have really, really, really bad credit anything you can think of. I want to repair it but I noticed almost all of it will be cleared up from my credit report in 3yrs any ways. Should I continue and neglect the payments and wait the 3yrs or should I try to pay them. It’s been about 4-5 yrs since I last paid my creditors. Some have told me to just wait because even if I did pay back all the creditors my credit report would still show that I was past due for so long. I should just hang and wait for the 3yrs and I’ll be good to go.