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i made a mistake...can i fix it?


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earlier this year (before i found this great site & educated myself on collections) i received a letter offering me a way to pay off an old account by giving me a new credit card. i thought it was a good idea at the time (i know...dumb) so i accepted it. well, now that i've been learning things i know it was a dumb thing to do. what can i do to fix it? it is nowhere on my credit report (neither the old account or this new one through what i have found out to be a collection agency). am i stuck now having to pay the balance? if so i'm just going to pay it off and be done with them (it's only $300) the original account was out of the SOL and i had no idea at the time (once again, i was naive) any insight or advice would be great!

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