Can I offer to settle a judgment for less money? I am trying to get my mortgage approved, and I do not have the money to pay this. I have disputed it off EXP and TU, but it is still on EQ. I disputed it again with EQ on this month, but I am under a time crunch here to be approved. I would have to take out a loan to pay it, and I'm not even sure I can do that, so the less I have to borrow to pay them off the better. Would there be any reason that they would be willing to accept less than the judgement amount? It is from 7-99, $1900 owed, $2400 judgment, filed by an attorney. Thanks for any advice!