That is just a status, it's the fact it's a collection that's hurting your scores.
Just pay it then? It will haunt me for two more years anyway.
BTW, of topic but I am a member of USAA now... We were writing about NFCU and getting my son to join so I could. I became a member of USAA without having to ask him.
Thanks for the information.
I could always belong to both.