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quested one wants to know:

You see them all the time on TV. How do they charge and make money to advertise if they are non-profit? Will doing this sort of thing hurt my credit rating?

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J24 wants to know:

I have two credit cards, luckly only totalling about $1,500. Im a college student and used them for books. They are under collection and i still have the oppertunity to pay them off, which i am planning on doing anyway. BUT they are still going to be on my credit for the 7 years right? And If i pay them off, will it improve my credit rating atall, will they show up as paid off on my credit report? Or will paying them off do anything atall since they are so overdue.