When applying for a mortgage loan why do the lenders want you to pay off all outstanding collection debt on your credit report if this could lower your score and will not help you?

They don't want to give a loan to someone who has a high risk of defaulting on payments. Your collections accounts need to be clear and your credit score will go up a little when that happens. Just resolving an outstanding collection debt will help your reputation with the new lenders.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.