The negative account I’m trying to dispute settle has an outstanding balance of $4,328. It was an auto loan. The account status is bad debt/collection and discription of Charged Off Account.
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A CA has contacted me several time and said they willing to accept 70% of balance. I was willing to pay 70% if OC willing to PFD, they took $20 as deposit for settlement. CA came back and said OC will accept 75% of balance. I request that they sent me a settlement offer, with PFD in writing before I commit.  They then argue that I had already committed payment when I put down $20. Now CA has revoked any offers and is only accepting paid in full.
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What should I do now? If I paid in full, can I still request that they PFD?
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Also, how much of an impact on my FICO if I get this PFD or settled? Currently, it show that there’s 2-30days late.