<prompt> Human: The debt is 3yrs old, if I pay TMo directly the whole balance, vs. the 50 request from the collection agency, will it impact my credit differently?  <response>: You cant pay t-mobile anymore. They sold the account to these guys.They paid a fraction of the value of the debt hoping to make you a deal.50 is a good deal. Wont save your credit history but it will stop continuing to bruise you going forward.25 is an even better deal. Call them and negotiate, youve got nothing to lose by asking. 