Should I accept a settlement on a bad credit account.

Hi Bo,
I would like to ask a question if I may, I was just recently offered a settlement of $4500.00. The balance is 9690. Would you consider this a good settlement.
I also tried many times to ask them if they could delete all negative information, and or mark as paid. They advised they can only say
Settled in Full.
Please advise.
As Always thank you
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Bo Majors / to Should I accept a settlement / show details / May 9
Sounds like a good deal. I would take them up on it an go on with my life if I could pay that amount.
Make sure you keep open 3 rated lines of credit. One year from now and your score will jump.
Your score will also jump on settlement as you will have moved from 100% debt ratio ot zero on that account.