Your Experian credit report may show you what kind of design you are in if you're trying to use money o-r get credit of any kind. Additionally you don't need certainly to pay-off every account on your record.
Http www experian com report access
Additionally you don't have to pay off every bill on your record. Experian is based in Ireland. When you and I equally realize the Fair Credit Reporting Act claims that balances more than eight years of age should be erased from my credit survey.