I currently have a past due balance of $837 from 2013 for a Discover Card that was closed. As it sits now it will fall of my credit reports next year. I called Discover to inquire into the debt and they explained that they do not sell there debts to Debt Collectors but instead hire debt collectors to collect for them. I asked the Customer Service Rep if they will do a pay for delete and they said no. I would like to get a boost to my score and am interested in paying this but im curious how this will effect my score. I show no collections on my CR's for this account but I do show the Balance on the Discover. Im assuming that I cant ask the Debt collector to do a pay for delete since they are not reporting on my CR and they do not directly work at Discover. At this point if I pay discover the $837 will that boost my score at all or will that just hurt it at this point? Im not trying to skirt the debt but im trying to get approved for a mortgage and I dont want to drop my score by paying.