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

I am wanting to compensate soured an aged debt upon my husband’s credit report. We were incompetent to go upon juicy upon it due to serious monetary hardship. We have been right away some-more financially stable, as substantially as wanting to acquire a house. you utilised to work as a analyse collector, though you do not recollect every a specifics. On a credit report, there is an "original balance" as substantially as a "past due" balance. you am alert which fees were charged, though I’ve been not daylong ago told which they might be bogus. The comment was charged off, also. you desire to suggest a connexion a allocation of 30% of a strange balance, which is about 0. What I’m wanting in lapse is for them to inform it as "paid". I’m not play to handle it them which I’m shopping a house, since I’m certain they won’t determine to a allocation if they consider you unequivocally requirement this soured a credit report. So what do you think? Should you go forward as substantially as call as substantially as suggest this settlement?
I comprehend which it module ease contend which it was delinquent, etc. But it module additionally contend which you went behind as substantially as paid upon it. That is what my debt connexion wants to be means to uncover a underwriter!

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