I have a first premier charge off reporting a balance of 443.41. No collection agency on my report, out of SOL. Today I received an offer from FNCB (a CA) to settle for 221.71. This will fall off my report in 2019. Is it worth it to pay it at the settled amount or is waiting for it to fall off going to be no different as far as effect to my credit score? I figure it’s either to say setttled or unpaid for the next two years so is one really better? Thanks y’all.