@Anonymous wrote:I recently setup payment arrangement with a collection agency to pay off and old medical bill. But it seems as I every time I make a payment it updates the entry on my credit report. Will this affect my score as the balance is going down but I don't want it to come across as a new collection account. My second question is not that I have been making payments is it too late to negotiate a pay for delete settlement. It is finally down to an amount that I can pay off in full.
No, your score is held down every time they update the TL, it looks brand new to Fico. I would try to negotiate a PFD. Welcome to Mt Fico 
@Anonymous wrote:So even though I have setup the payment arrangements, I can still negotiate a pay for delete settlement. It is not too late?
IMO no its not too late.