Long story short, I have one bad account left on my credit report: A repossession from 2012 from Santander. I am looking for any advice on how to proceed with this one. I have a balance of $ 4k with Santander. Never paid them the balance. Last year: was served by Resurgence Capital (lawyer/debt collector) and before I was taken to court, I arraigned for a payment plan. I have been paying them monthly since. Santander is the only company showing on my credit reports (not resurgence). So my question is: How would you proceed in trying to resolve this? Keep making payments? I could settle in full with Santander but I heard they do not pay for delete and won’t work with you. The account will be removed: 6/2019 but I would like to try and buy a house in the next year. Or do I just leave it on there? Thanks so much!!