https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Pay-off-old-collections/m-p/3691098#M381632 <P>I would say to just let it fall off. There isn't much room for negotiating when you only owe $60 for a PFD. Most lenders look at debts less than $100 as nuissance debt and don't really pay attention to it. I think that the same goes for FICO scoring. I have one and only CO for $100 that is bring my score down by a lot. &nbsp;I already paid it, but they never updated it and don't really want them too. Just wonder if that debt was less than $100, but they made it to be $100 so it could ruin someone's credit. Evil evil..</P> Mon, 15 Dec 2014 23:22:24 GMT Anonymous 2014-12-15T23:22:24Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Pay-off-old-collections/m-p/3690973#M381630 <P>I am trying to clean up my wife's credit. She has collections from 2009 for $60. We have not been contacted by collectors at all. I am trying to determine if it would be best to pay this off or just let it fall off eventually.</P><P>&nbsp;</P><P>Thanks</P> Mon, 15 Dec 2014 21:58:23 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Pay-off-old-collections/m-p/3690973#M381630 Anonymous 2014-12-15T21:58:23Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Pay-off-old-collections/m-p/3691098#M381632 <P>I would say to just let it fall off. There isn't much room for negotiating when you only owe $60 for a PFD. Most lenders look at debts less than $100 as nuissance debt and don't really pay attention to it. I think that the same goes for FICO scoring. I have one and only CO for $100 that is bring my score down by a lot. &nbsp;I already paid it, but they never updated it and don't really want them too. Just wonder if that debt was less than $100, but they made it to be $100 so it could ruin someone's credit. Evil evil..</P> Mon, 15 Dec 2014 23:22:24 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Pay-off-old-collections/m-p/3691098#M381632 Anonymous 2014-12-15T23:22:24Z