A little story and a hope for some guidance

[RobertEG]

It is not a matter of throwing good money after bad to pay a delinquent debt.

Neither credit report exclusion nor expiration of SOL results in satisfaction of the debt.

When applying for a mortgage, it is normal for the lendor to ask for disclosure of any unpaid, delinquent debt.

It can remain basis for rejecting loan approval until it is paid, regardless of your current credit score.

[Bankrupt2019]

I follow what you're saying and it makes sense. Other than morality, what sense does it make to pay it if it doesnt help anyone but some debt collector?

Hypothetically speaking. If I were to maintain my Good accounts in good standing and wait for the others to age off, at that  point would my credit not be fantastic?