I am so new to this rebuilding credit thing that I actually called RJM Accusitions BEFORE I read this and made a settlement offer and they said they'd send me a letter in the mail stating that this was paid in full once they collect the payment from my account. I can say that the experience was pleasant as I know that I OWE it and must pay for it now that I am able to. Just wondering though if it's better to have requested it be deleted from my CR??? Any thoughts? Opinions?