<prompt> Human: Im sure it would be woefully complicated, but Im curious - could I theoretically buy my own debt, pay it off, and then report on my own directly to the big CRAs?I just read the FAQ I have terrible credit, but I just learned about Pay For Delete and it has me really intrigued.Im Canadian, but I couldnt find any info about this topic at all for America either.Cheers!  <response>: Is it possible to buy your own debt?No. Collection agencies dont pick and choose which debts to buy. They just shell out for a bunch all at once for probably millions of dollars at a time, and whoever they end up with, is who they start hounding for money. 