Been debating if I should wake a sleeping bear. I have a chargeoff dated 5-04. Its been 5 years and the amt is only $319 and I can afford to pay it. I have already sent a debt validation / PFD to the company and yet to receive anything from them.
I know if I pay this, it will get updated and may hurt my credit. Should I just let it sit and fade away within the next 2 years?

