Would it hurt or help my score to pay a collection account and let them mark as paid ?

[getit2gether]

So I have been told by this collection agency that will they mark account as settled/paid once I pay.

I would like for the account to be deleted not marked as paid. But they said they cant do that.

???

Will paying this help or hurt my score if they report it this way?

[Treysdaddy08]

It would do neither. The collection account will still report as a collection, thereby having no affect on your score. Haven you sent them a PFD letter? How old is the collection?

[Lois5669]

If they say they don't delete for pay, you may have luck later with a GW letter.

[getit2gether]

I've sent at least 5 letters but they have not responded to any of them.

The account is 110 days old per the collection agency (today)

So its hurting me really bad. I have to get it removed.

And I read that FHA qualifications are changing as of 4-1-12. As of the 1st, they require you to pay any collection account over $1,000

[Treysdaddy08]

How much is the collection? What is it for? Work is the original creditor? Do you dispute the debt?

[getit2gether]

Its for $1278. Tmobile is the OC

[pizzadude]

You definately won't get a FICO score boost from paying the collection ~ getting it deleted is really the only thing that would help boost your FICO score.

I'd keep trying with the PFD offers but if you really have to take care of it for your mortgage financing then you might have to try GW.

[Booner72]

Did you DV this?