Recently I discovered a collection accounts on my credit report. I called on the number mentioned and they said it was for a club membership I had taken and never paid. The original amount was $20 and now it is $225. They said that they would settle it for $100 and remove it from, my report. I am confused about it. Shall I take the settlement offer? I remember I had received club membership offers on mail but never signed one. Any advice will be appreciated.