Credit Report Questions

Credit Report Questions

I think has been asked and answered before and I checked but couldn't find the answer. I have an account in collections say for $100. If I pay it off in full: Will this hurt or help my score? They offered me a deal say $50. If I take this deal (instead of paying it off in full) Will it hurt or help my score? The amount isn't $100. If I pay it off in full it will take a several months. While the deal is lower and will take about a couple of months. I'm just trying to figure out what hurts or helps me the most.
Impatiens

Impatiens

My Little Garbage Garden

My Little Garbage Garden

New room!

New room!

help! I am killing a tree

help! I am killing a tree

Pics and I need some advice…

Pics and I need some advice…

It’s lovely, but what the heck is it??

It’s lovely, but what the heck is it??