$64?  Try a PFD, that way it will be gone and won't bounce to another CA.  It's a small amount and it's getting on up in years.  Try and get rid of it, you don't even have to offer to pay it in full, offer 50%, see what they say.  

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
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