Hello all, i am currently building a credit profile im 22 so my history is fairly new. Now i just opened up a secured credit card less then 6 months ago and i use like 10% and pay it in full every month. I have seen myfico score on equifax increase about 28 points. Now for my question, I had a gym membership back in 2008 that is now reported as delinquent, its the only negative thing thats on my credit report. Its 128 dollars to pay it BUT im wondering if keeping it on my profile may be the best for now? Only because even though its almost 3 years old i think its still my oldest opened accnt on my report so paying it may temporarily hurt my credit history? since my profile is so short? anyways thanks for any input!
