<prompt> Human: Little back story, when I was younger 6-8 years ago I scammed the systems pretty badly. I know I owe a couple banks some money, and a couple payday loans places, as well as a couple court fees but I cant remember all the places names. When I do a credit check it only has a couple places I owe money to and I know the list is larger than that. I want to start improving my credit but am not sure if some if these places arent in the report do they need to be paid.Follow up question, is there a way to get a list of all the places and amounts I owe and consolidate them so I can pay a monthly payment and it will be split up to the proper bills? Assistant: Little back story, when I was younger 6-8 years ago I scammed the systems pretty badly. I know I owe a couple banks some money, and a couple payday loans places, as well as a couple court fees but I cant remember all the places names. When I do a credit check it only has a couple places I owe money to and I know the list is larger than that. I want to start improving my credit but am not sure if some if these places arent in the report do they need to be paid.Thats called a credit report. Note that there isnt a legal requirement to report, its all voluntary.ALL debts are still valid legally owed debts until paid regardless of whether or not they show on your reports.Follow up question, is there a way to get a list of all the places and amounts I owe and consolidate them so I can pay a monthly payment and it will be split up to the proper bills? Yes, but itd be better if you just did it in your own.Human: So if I pay all the stuff off that showed up on my report my credit score should make leaps right?  <response>: No, credit repair takes time. The scoring system measures time since last default, late payment, etc. When you pay an item in collections it should report as settled, or settled for less than owed if that is the case. Your best bet would be to reach out and try a PFD or pay for delete. The creditor legally has to report accurate information, if they decide to report your account. Nothing requires a creditor to report, thus you can offer cash for them to delete the account completely. You should also know that while everything may not be on your credit report, when one creditor updates to show a payment, many more may be waiting on the backside and come out of the woodwork. Systems are in place to notify them when activity occurs. The same happens when an address or phone number on the credit report updates so they can try a new way to find you basically.Wish you the best in your repair process.-J 