Discover Card will not move on the settled less than full

Hi Brian

Your foremost concern should be to pay off this debt at the earliest. Since you are interested in buying a new home, the lenders will be interested to see good credit history. An unpaid account can be a negative mark in your file and will deprive you from better deals.

At the first priority, prefer to have the 'paid in full' status reported in your credit file. If you can't afford that much money, take the discount offer. Ensure that your credit file is updated after the account has been paid off.

Thank you Gretchin! I really appreciate your information, both today and last week!!

Is the "paid in full" worth $900 dollars more considering the overall credit report is in poor to fair condition?

I must say yes. You will get the maximum scoring out of this action. Like it's always said "good things don't come for free, you have to pay a price."

'Paid in full' status is better than a 'settled' status. That's why you need to pay something higher.

Read this thread on how to improve your credit scores.