<prompt> Human: I posted a year or so ago and you guys all helped me a ton. Looking for a little advice again. Made some bad decisions and walked away from an apartment complex in Arizona back in 2012. Its been on all 3 of my reports since then. I now live in Colorado and looking to get my own place again soon but this one is still sitting as a stain on my credit. Do I settle? Pay for delete? Or dont touch it at all since its coming up on 6 or 7 years?Age of Debt: Aug 14, 2012 5 yrs, 6 mosAmount: 736NATIONAL CREDIT SYSTEMSThank you!  <response>: Id let sleeping dogs lie on this one. 