http://smallbusiness.chron.com/pay-collection-agency-before-aff 两点: According to the Federal Trade Commission, credit reporting does not constitute “collection activity.” Because a collection agency can opt to report your debt at any time after purchasing the account, it is imperative that you act quickly to pay your debt and avoid credit consequences. A paid collection is just as detrimental to your credit scores as an unpaid collection. Before you submit your payment, ask that the collection agency send you a statement, in writing, agreeing not to report your debt to credit bureaus after you pay it off. 我个人观点,如果Debt已经上Credit Report了,付与不付区别不那么大了。如果没上 ,可以找机会弥补,但必须要有书面的东西来保证Debt Collector不会收钱后再报告信 用局。