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.
Herb questions (and photos)

Herb questions (and photos)

Gardening Doldrums Update

Gardening Doldrums Update

Desert scaping

Desert scaping

Plant id help, please :)

Plant id help, please :)

Succulent with star shaped flower

Succulent with star shaped flower

Almost frost

Almost frost