Need some advice, ok so I been doing good, got 2 out of my 3 of my collection/charges off in good standings as off today.
My final debt is a 10k Bank of America Credit Card, been charged off since 2013 after my divorce. My dilemma is, should I request a settlement ,pay for deletion or wait for 7 years cutoff? Which one will look better or help my credit score?
Thanks for your support