the 6 bodies of water surrounding the united states are....  (Pacific Ocean]...(Atlantic Ocean]...the(Arctic Ocean]... the Gulf  of mexico, Bering Sea, and Gulf of Alaska.
Like collection accounts, late payments can remain on your credit reports for up to seven years and also have a negative impact on your scores. But, also like collection accounts, they too have less impact as they get older. Itâs good to keep in mind that not all late payments are equal. A payment that is 30 or 60 days late isnât going to have as serious an effect on your credit score as a payment thatâs 90 days past due.
So, paying off collections could very well improve your credit-worthiness in the eyes of a lender. Since your collections are 2 and 3 years old, your FICO score will consider them for several more years  typically, collections remain on your credit report for 7 years.The best things you can do in the mean time are to continually pay all your bills on time and be responsible for your credit.ollections  how to manage them and what they do to your credit. Dear myFICO, I have a few collections on my credit report that are 2-3 years old. I'm not sure if it's better to pay them off or just let them fall off the report.