Will paying an old debt renew the 7 year time it shows on my credit report?

I have a small debt that will disapper from my credit report in two years. I would like to pay off in hopes of them removing it from my report, but I'm affraid that I would be opening a can of worms. Should I leave it alone?

Will paying an old debt renew the 7 year time it shows on my credit report?
Derogatory items age off your credit report 7-1/2 years from the date of first deficiency. NOTHING restarts that clock.





Paying off derogatory items will not improve your score, unless you get the item removed. If this is a single entry item, like a medical or utility bill, you can probably negotiate a delete for pay -- you pay


$x and they remove the item. You can probably offer 10% on a 5 year old debt.





Get a written settlement agreement and keep it, along with your payment proof, forever. Do not give the collection agency direct access to your bank account.
Reply:No...there is only one 7-year time period which cannot be restarted under any circumstances.





Honestly, the negative effects of debt this old should be over by now and should not be affecting your credit. Making payments on old debt can bring this negative even to the front of the line on your credit history and could theoretically damage your credit. Equifax has stated that this issue has been corrected....Still, for something this close to coming off....it might not be worth the trouble.
Reply:no if you have the funds to pay it do so it will show up in your favor as account paid in full working for you not against you