@cbneale09 wrote:
No I really appreciate. Discover is still reporting so it looks like I’m still missing payments even though it’s charged off. Thinking of settling. Keep a little money but get the account to stop reporting. But mybe it’s worth $1800 to have the account say “paid in full”
That is what I would do.. pay it (either settle or in full.. whatever works best for your pockets - tho Paid In Full looks better upon manual review of your reports). And this way, the accout will close - and the threat of collection or additional updating will no longer exist - peace of mind. And if you get a bit of a score boost from the lowered utilization as a result - even better. Plus, it shows other creditors that you pay what you owe, even if a tad bit late.
Best of luck whatever you decide.. 
