OK, I had an account with an electric company that went to collections. I was stupid and never responded within the initial 30 days and it just hit my credit report. I have sent a validation letter, and of course it was validated. It is only $244. I have followed up with a PFD and even called and they absolutely will not do it. So, the date of last activity on this is October 2010. I am about to try to get an FHA mortgage in 6 months. Do I leave this thing until time has passed and I might get more leverage, or should I pay it and have them mark the report "paid". I know as soon as I pay it that DOLA will now be 4/2012 and hurt me. What do people do in this case?