Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
If you pay it off it will not remain on your report for a...
If you pay it off it will not remain on your report for an additional two years.  The 7 years begins at the date of delinquency.  The downside is that if you pay it off, it may cause your other scores to go down.  FICO has fixed the glitch in the system that penalizes consumers for making old wrongs right but the same cannot be said of TU or Exp.
 
I paid off three medicals but now TU reports that I have recently established collections because the date of last activity changed.  Luckily they are all slated to fall off this year