OK, looking for people's expertise here. My last collection remains on my credit report. (Removed the previous 3 due to GW letters & disputing.)
As you can see, I attempted to dispute this one, but it was verified. They won't offer a settlement, but stated they will complety remove it from my report if I pay in full.
This is a five year old debt, and only appears on Transunion. Have I already recovered from this collection being on my report, and just save my three hundred dollars, and let it fall off in a year or two, or what? What would you do? (I have no intentions of getting a home(mortgage) in the next two years, just maybe a few credit cards, here or there to garden with)
My FAKO was at 656(TU), last I checked trough Truecredit
Nope.. still a major derogatory. If it was me, I'd do a PFD, it's a small amount and that would get rid of it for good. You wouldn't have to worry about it again.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Pay it off, or you will hear from the bottom feeders 10 years from now LOL 
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583