<prompt> Human: About a week ago, I was sitting with my mortgage company and we were going over everything to send my mortgage application to underwriting for the final approval.We noticed an inquiry from Gurstel Chargo. I dont have any delinquent accounts on my credit report. I made some mistakes as a young adult, but Im years beyond that.I called them up and they offered to send me a verification letter. I got it in the mail on Saturday, it was just how much I owe, and a copy of a default judgement from back on 2010. Default judgement is not in my credit history. Heres the deal, its possible Ive had that account. I made mistakes in my early 20s and I admit that. I know Im not going to be able to do anything about the judgement. Im just glad its not on my credit report. I did confirm with the courthouse that it is legit. Its 1350. I have almost 12k in savings alone. I can easily make up that 1350 in two months of saving. With a house closing on March 18th pending the final underwriting, is it worth it to negotiate back and forth on this, or should I just pay it?I made mistakes and I fully intend to pay off what I owe and not put myself in a situation to make those mistakes again. I just dont want anything jeopardizing my closing. Im also concerned that theyll put the judgement on my account to show it as paid. Worth it to negotiate or should I just pay?  <response>: Its always worth negotiating. 