If the OC is currently reporting a charge-off (since 2004) and NO CA is reporting, if I DV the Attorney of the CA currently trying to collect on this debt will it result in a report to the CRA? I'm still torn over this issue because I received initial letter on 1/3/08 and must respond with DV by tomorrow if I am going to do it, but what I really want is not a protracted engagement with this issue (I'm will to pay in full on a debt that's not mine) BUT ONLY IF IT DOES NOTHING TO MY credit report. So, I can take the risk of paying in full and praying that they don't report, or DV and risk the entry any way--either based on what Lady Scarlet stated above, based on paying on the account, or by subsequent Judgement if it goes to court. :-(
Another question: Which is worse on FICO score; paid judgement or paid collection??