I’d have to see data in order to confirm this is true. Once a delinquency gets placed on a credit report paying the bill doesn’t help the person that owes. It

I’d have to see data in order to confirm this is true. Once a delinquency gets placed on a credit report paying the bill doesn’t help the person that owes. It also assumes that the people not paying are choosing to do so rather than not being able to. Given the debts are sold at a steep discount, I’d say it’s more efficient to have lower prices up front which could potentially be affordable for more of the customers.