Debt Settlement on Credit Report?

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      Anonymous
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      I open a credit card in 2005 with a charge balance of $ 200- never paid a penny on it- well in 2009 it was bought by a collection agency now at the amount of $ 1564- my question is I called today to settle for 1197- they told me on my credit report it would still say settled but the settlement was paid in full. Did I make a huge mistake- I’m trying to repairs the damage I’ve done serveral years ago and was told that the cc itself will comeoff in 7yrs- which is 2012 but the new collection debt in 2009 will come off 7yrs later so 2016. Hopefully I didnt just waste $ 1200 you know! Thanks!
      I live in Georgia also…

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