I've been reading these boards for awhile now, and the only discussion I have found on this kind of spiraled into some big philosophical discussion about paying one's debts. I just need a simple answer. I received a letter from a CA for a small amount (under $50) for a debt I KNOW is mine (I have the bill from the OC). Now, I want to take care of this and just pay it, but I don't want a paid collection on my credit reports. Had I remembered the bill from the original OC, I would have just paid it then, but it slipped through the cracks. Validation doesn't seem like the way to go here, because I know it's mine. So, how do I pay this without screwing up my CR? I don't know if it's on there now, I haven't had a chance to look at my CR (just got the bill today). My thinking is some type of settlement letter offering to pay the amount if they promise not to report or to delete the TL if they have? I'd have them sign it and return it. What do you think?