So I'm guessing this is like an installment loan type thing? Or does it report as a revolving account? This makes a difference because revolving accounts are weighed more heavily than installments. That said, since it hasn't updated since 2019, it'll most likely cause a score drop when it does update if you decide to pay it. However, it'll look better on your reports, and in the long run you'll slowly recover points.
Waiting for it to fall off is an option, but since it's from 2019, it won't fall off for another five years, so you'd be waiting quite a while. The way to *possibly* get immediate points would be to pay it and negotiate a PFD like you said.
Seems like this company specializes in rent to own and so on and other services. From their site:
"Acima is a great option for those who have no credit, bad credit or do not want to add to their credit. Acima is the option for everyone! Acima does not make decisions based solely on your credit score, but considers your income and banking history and they report your payment history to Experian."
So even if they dont delete. Showing $0 balance will help from not reporting monthly any longer.
