Hi all! This forum has been a huge help and aid on my success of cleaning up my credit! I am very close to applying for a mortgage and have successfully either removed or paid all of my collections. I now have zero! The only thing I have looming over me is a charged off account from the devil (Conn’s) in the amt of $ 3,300. Will this have to be paid in order to be approved for an FHA loan? I am wanting to settle or try PFD which I’m sure is highly unlikely they will accept. I also don’t want to pay and they update and reage my acct and possible drop my score. thanks in advance!