Thanks. Actually, I am happy to pay them. ONe I disputed only because they said I paid $135 in an installment payment (on my EX report, which I clearly did not) and the other is legit. See, I don't mind paying them in case of a manual review and because of karma
That said, I did overlook the importance of MIX and was worried that another low limit card would hurt my report. I will certainly look into it, thank you!
PS. Another reason I want to pay them off, being in New York State (assuming this info is valid in my case:
"NYS General Business Law Article 25, Section 380-j (f)(1)(iv):
§ 380-j:
(iv) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years; *** or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ***
"
(that's just part of it)
In short, they are 5+ years old as of next year, which is all I can ask for. I want to see IF it will apply to my ca's.