Edited
If not it still falls off next year. In any situation you dont technically have to pay - unless you feel immoral about the whole thing 
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If mortgage company wants you to pay it off do it next year closer to your closing date but write to Crap One to have acct. PFD!
It works for you in any situation. Edited
Good Luck! Keep us posted
woowoo, click the orange envelope in the upper right hand corner of this page. Talking about disputing accurate information violates our Credit Repair Discussion Guidelines, Terms of Service, and User Guidelines that prohibit the promotion of certain types of credit repair.
