I had a cellular phone go into collections. I violated the contract in 1999. However, I thought the contract stated $250 if we broke the contract. Well, I let this go into collections and now AFNI got the collection. They offered to clear it off my CR with a letter of deletion if I pay $523. My fico score is 589, If I pay this off, will it increase my score? I would hate to pay them if there is no pay off on my fico score. Please, I need some advice...... Thanks, Tsunami
