Should I pay CA or Just get a secured Visa?

[songmeesay]

Hi all,

I have a $2400 debt with a DOFD of November 2005. Oregon's SOL law is 6 years, so November 2011 is when the CA will be out of that range. Then the debt will drop off from my report in May or June of 2012. The debt is with Portfolio Recovery Associates which I've been reading rarely ever budge on for a Pay To Delete. Would it be worth my efforts to even try to get a pay to delete letter? Would it be worth paying only to get a paid in full letter?

Or would I be better off not paying and just getting a secured Visa through my bank to build up my credit score?

[songmeesay]

Edit: When I say the debt is to drop off I mean on my transunion credit report it say the estimated date that this item is to be removed is 6/2012 and on my experian it says this record is scheduled to continue until 4/2012.

[chane]

Do not pay it unless you get a pay for delete. As far as trying it, that's up to you. You may poke the sleeping giant. Have you tried just disputing it?