Hi all! I am not sure if this is a great option or what. I have a charged off FP account that according to TransUnion will fall off of my report 2/14. I was offered a settlement with them today of 60%, really? That seems somewhat outrageous for 15 months, It was originally charged off in 2007. It is counting against my utilization but I figured the settlement amount should be less than what was offered. Your thoughts? Dee