u/INoWhoIAmButUDont

Crazy situation. I went through a spell when I was about 20-21. Not proud of it, but I lost my job, lost my truck, and had to sell my house. I also couldn't pay my three credit card payments; totaling $13k. Those cards have since defaulted and are in collections. It's been two years. I've gotten my life back together and am about to double my income. Obviously bankruptcy isn't a candidate, but as far as my credit history goes, it's already tanked because there's 'closed accounts' or whatever they're called on it. Would it be best (CREDIT FILE WISE) if I paid those debts off and have two years of delinquent and/or closed accounts on my file, or just let it ride out since it can only stay on my account for a certain amount of years? I heard that if I pay them off now, that it wont help my credit at all. I've tried googling this but keep getting the run around. I mean, seems 'right' to pay them off, but if it screws my credit even worse, what's the point??

I recently got the Mirena IUD for hormones for post menopause because I cant take progesterone. I have low morning blood pressure (90/50 range) and the 100 mg of progesterone had me feeling even worse. Lately, my bp has been 115/65 area and my evening has been as high as 120/80. I KNOW that's not high, but my body that's used to 115/65 being my normal really feels it. Is this a fluke ya think? I've often wondered what it would be like to wake up with a living persons bp (lol) and while it's great because I wake up wide awake....it also sucks because I'm having a harder time falling asleep.