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Love700 wrote:My husband recieved an offer from a collection agency to settle a debt. Here is what they sent, there are 3 choices:1. 50% discount "you only pay $160"2. 30% discount "you only pay 5 easy installment payments of $45"3. Installment payments as low as $10 per month if you qualifyOk so my question is this collections shows up on his credit report. If we paid the $160 to pay this off will it affect his credit rating in a negative way? Also if we pay this off should we do a PDF letter? Thank you for any adviceDon't send any money without PFD.