HSBC PFD or wait for SOL

[kayabear]

I am looking for some advice on one last derogatory mark on my credit report. I'm looking to buy a house this year and have worked to clean up my credit report. The last derogatory item on my report is $257 from an HSBC account in collections from July 2008.

 

I am wondering if I should request PFD or just not worry about the amount and let it drop off next year. It should not interfere with securing the mortgage (I hope!!) My myFico score is 707 but, if I can just pay it off and have it removed from my report, I'd rather do that. I am not sure which strategy would be best for my score.

 

Any advice would be appreciated!!

[moosetracks]

All open COs showing on report will need to be paid prior to closing a mortgage.

[kayabear]

Thanks! Just the answer I was looking for.