Pay it or leave it?

[Anonymous]

I have a baddie from 2006 that is due to fall off next year however I sent a letter to the ca to remove the acct for a settled amount they stated they can not accept my settled offer but they will delete if I pay the full 400 balance, should I pay this or leave it alone? Would I see any difference to my score since this acct is so old if it is removed?

[FrugalRican]

Was this a written agreement from them to delete if you paid the full $400 balance?

And if it was, can you afford to pay that?

[Crashem]

What's your score now and positive revolving accounts? If it is your only baddie, then removing would move you off baddie scorecard

[Anonymous]

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@FrugalRican wrote:

Was this a written agreement from them to delete if you paid the full $400 balance?

And if it was, can you afford to pay that?

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Yes I have a written agreement to delete if paid in full. I can afford it, but I have other collections on there that are more recent that I am trying to work out something

(edited for clarity's sake, only to insert quote of post to which this post is responding. - Scamp, Mod)

[Anonymous]

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@Crashem wrote:
What's your score now and positive revolving accounts? If it is your only baddie, then removing would move you off baddie scorecard

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I haven't checked my scores since march and it was high 500 - 618 highest. I have 5 others on there for ex and three for EQ

(Edited only to insert quote for clarity's sake. - Scamp)