You are correct. Paying them without their agreement to remove them keeps them as a negative account...for 7 more years. They either don't understand that paying them off hurts you more or they don't care. Either way...I say F 'em.
I absolutely will NEVER pay an account if they won't cooperate with me. They will have to take me to court; which has never happened.
So, your only options left is to dispute them with the CRAs and hope they fall off. I would dispute them several times making sure you wait 30-40 days between disputes. Other than that...it's best to just wait until they come off. Do NOT reset the 7 years by paying them.
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