<prompt> Human: I had a judgement filed against me about 6 years ago. For unpaid credit card debt. I thought it was suppose to fall off this year, well its not until middle of next year that it falls off my credit report. Everyone keeps telling me to just wait until it falls off. Thing is I want to start rebuilding my credit now, and hopefully buy a house within the next year or so. I finally got a little bit of disposable income that I could pay off the debt now. Hopefully talk them down a bit on the amount owed. Thing is Im afraid of acknowledgingcalling them because then it resets the counter. Just looking for some advice. If I do pay it off will it be removed from my credit history? Do I need to ask for verification that the debt has been resolved?  <response>: hopefully buy a house within the next year or so I finally got a little bit of disposable incomeUsually you need more than a little bit of disposable income to get a house. 