Recently, I've gotten a mailer from a collection agency about money I owe PayPal. Honestly, I'd forgotten about that. Owe @$700. Letter asks for @$250 payoff agreement. Nothing has been reported CB. I want to keep it that way. It's been a long road to FICO 700 and I don't want to mess it up. I can afford to pay the full amount or the payoff agreement. What's the best course of action to prevent this from ever getting on my CR?