From a scoring point of view, it does no good to pay the debt.  Unless it is from the OC and is a debt that is factoring into your util, the paid/unpaid doesn't matter to scoring, they are looked at the same.  A PFD would be the best route, it would remove the TL entirely.  

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