Took out payday loan back in 2012 with Check City and they recently contacted me via email with a settlement offer. Now I know that it's well past SOL, but concerned they will place it on my credit report. I recently had another party place a debt well past SOL on my report (a year before it's due to be removed). Right now I am working on my credit because I want to purchase a home and worried this will affect that if I ignore.
They haven't sent any letters or correspondence other than the settlement offer via email. I am in California. Can someone suggest how I should handle this or if I should just let it go. The loan was $315 and they asked for $95.40
Thank you