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My wife and I are currently in the process of getting pre-approved. Today we met with our first mortgage lender, everything went well and would qualify for an FHA loan except for one blemish on my credit report which is a collection for $2005.00. The amount went into collection on 11/05 and just got bought out by a CA from OC on 11/09. Would it be wise to do a settlement or pay in full to the OC and have them delete from credit report? Also how long would it take to clear because the agent stated it needed to be paid by closing? We will shop around more for the best rate, but know this will be a big road block. Please advise..thanks is advance.