<prompt> Human: Hey yall. About 4 years ago when I was 18 I ended up opening a credit card with a department store and didnt even know it. Come to find out, an 80 shopping day turned into 350 overdue to this account. They had spelled my last name wrong on the application but have my social and all. The account has now been closed for some time. Is it worth it to pay it off? I dont have much other credit history and my score is sitting around 560  <response>: In the situation, what youre looking for is a pay for delete. Make sure you can negotiate that. 