Credit score problems

My mid score is 686 and I plan to go for pre approval since it will be 4 years since I had a bankruptcy. I now qualify for an FHA but I am studying conventional loans to see what offers are out there. The problem is something popped up on my account which was a medical issue I had 3 years ago which cost $900. I was able to settle for $500. Should I pay for the delete? I noticed that my score went down by 20 points when the issue was added, any thoughts? by mccurley93 from Independence, Louisiana. Jan 10th 2022 Reply