How do you tactfully ask a debt collector for a settlement?

I am wanting to pay off an old debt on my husband's credit report. We were unable to continue paying on it due to severe financial hardship. We are now more financially stable, and wanting to buy a house. I used to work as a bill collector, but I don't remember all the specifics. On the credit report, there is an "original balance" and a "past due" balance. I am aware that fees were charged, but I've been recently told that they may be bogus. The account was charged off, also. I want to offer the company a settlement of 30% of the original balance, which is about $530. What I'm wanting in return is for them to report it as "paid". I'm not going to tell them that I'm buying a house, because I'm sure they won't agree to the settlement if they think I really need this off the credit report. So what do you think? Should I go ahead and call and offer this settlement?

How do you tactfully ask a debt collector for a settlement?
I have done this for several of my clients. Simply call them and tell them that you are interested in making good on this debt, but that you have very limited means. Wait for them to make you an offer. It will likely not be what you want. After you refuse that offer, they will hardline. However, you tell them you can't afford it and end the call. They will call you within a short period of time with a better settlement offer.
Reply:This is not going to come OFF the credit report for your husband. The actuality of what occurred will be in the report for another seven years. The facts that it was delinquent for several years, was recently paid, and was negotiated as a settlement will all appear in his credit file.
Reply:dont ask tell them... fighr fire with fire they use all the tricks of the trade you can fight back too... i would actually ask or tell them a number alot larger than your willing to settle for so you can come closer to what you want for a figure... good luck