I have a card which is in default and has been for a year. I am currently paying a small amount each month but saving up to pay the amount in full, but am struggling to save up the last few hundred pounds. Considering that I may wish to apply for a mortgage in the next 5 years, how risky is it to agree a partial repayment with the debt collection company? I can’t seem to work out if I’m better doing it that way or waiting until I have a bit more money (probably October) and paying the card off in full. I know it’ll take 6 years for it go off my record, but how much better would it look to pay it in full?