I have a collection on my reports that has been reported since 4-03. If I pay this, will I see a huge score drop? Also, wll paying make the line stay on my reports 7 years from the date of payment? It is nearing the sol, and they are calling like crazy, It is a local agency, and I want to settle, as it will be easy for them to file in small claims. I might try PFD, but do not think they will be receptive.This is the only collection on my reports, and my scores are all 720-730. I hate the thought of paying this, as I am still not 100% sure it is legit. To do so and lose 50 points makes it worse!!Thanks!