I pulled up my credit report and have four things I need to pay off. They're from 2004-2006. One of them is pretty huge and unwarranted but I know there's no way I could win if I disputed it. If I call the collection agency or whoever is handling it, would they give me some sort of "deal" or something? My mom seems to think they'll bargain with me to get me to pay it off. Second, I read that paying these will not remove them. How do they get removed? If I pay them all, will my credit still reflect as bad?