<prompt> Human: In 2004 I was young, reckless and just didnt care. Hell I was 19 and decided to open up three credit cards because back then, it was so easy you could open up a credit card in your pets name. I was approved for 1000 with Cap1, 1000 with a local CU in Seattle and 500 with First Premier before they were completely evil like they are now. I maxed out my Cap1, had about 30 util on my CU card and maxed out my First Premier. Then I lost my job and I made some stupid mistakes. I stopped paying my credit card bills, in fact I defaulted on all three. Bam. That happened and for 7 long years I had some pretty big negatives on my report. In the meantime I went from barely being employed to making over 100,000 130K to be exact. In 2011, everything fell off my report after disputing Cap1s collection agencys attempt at re-aging. I won and my credit report shot up to the mid 750s. Ive been good with credit cards since 2007 now was an AU on AMEX, Citi approved me for 500 in 2007 before the market crash and Im good. But... in the back of my head, I wronged at least two companies screw First Premier, no offense. Cap1 and the local CU. They arent on my credit report anymore and occasionally I get a collection notice but they cant report to the CRAs, so I ignore it. But ethically, I feel like I should pay the balances I did... in fact, charge up. What wold you do? Would you just drop the matter and move forward in life or make a U-Turn to repay the collectors?  <response>: Since its off your report anyways, Id drop it.If you want some warm fuzzy feelings, maybe donate the amount that you owed to a local shelter or food bank or something? At least then your money would be a positive influence in your local community. 