<prompt> Human: Amount in collections: 713 originally about 480 before interest and feesI am trying to pay it off in order to improve my credit for a home purchase later this year. My mortgage lender recommended that I set up a payment plan with small payments in order to add a few more on time payments to my history. The creditor offered a lump sum payoff of 428 or 15 50 payments which amounts to the full amount. I signed up for the 50 payments knowing it would cost me more in the short term but considering that one percent of interest on a mortgage in my price range is worth 50k over the life of the loan... well I thought it was worth it. My husband disagreed and he convinced me to try renegotiating. I called back and asked to revoke authorization... They promptly hung up on me. I downloaded a call recorder on my phone and called back, letting them know I was recording, and got the whole Oh yes, Ive completed your request and I apologize that you could not hear me when I confirmed it bullshit. They were unwilling to negotiate AT ALL with me. I started with 15 payments of 30 totalling 450 and he said that would be impossible and to call back when I could pay the lump sum. I expected him to be eager to keep me on the phone. This debt has been sitting for 2-3 years with me being completely unresponsive to their communication. You would think they would rather have something than nothing.Sorry to be so long winded but I thought the details were important. Do you think if I keep calling back with an offer they will eventually take me up? If not, should I do the lump sum to save a couple hundred buck or should I take the payment plan to improve my credit score?Thank you.  <response>: Just pay the 428 dollars and be done with it? 