When I was on maternity leave I made the decision to allow my CC debt to go into collections. It was a long-thought-out decision that I won't get into here. I have paid off a lot of it, but I have a question about collections and credit reports.

I just got an offer from my largest debt for 70% of what I owe. However, it says that the account may still be reported on my credit report as unpaid. I was under the impression that a settled account would be reported as "settled" or something similar. I want to pay off these debts so I can start to rebuild my credit. But I am reluctant to call because all I've read says to NEVER call collections people.

Anyone have any experience with this or knowledge you can pass my way?