I had an account charge off in 1999 (November). That is my most recent baddie. They have sent me a settlement offer for 50% of the balance owed, payable in two monthly installments. Now for the ??: If I pay in installments, will that reage the account (for the date of last activity), or will it stay at Nov. 1999? If I pay it in full (the 50% settlement), will it reage? I remember something about the FCRA changing after 1998 and anything after that it is illegal to reage if paid. Or is that only if paid in full? Thanks!! Dustin
