He has already paid in full and setup an installment situation that will undoubtedly collect a little more interest.
Surprisingly, credit repair is EASIER when you OWE money. it sounds ridiculous, but often case you don’t hold any weight or power when negotiating with credit bureaus because they already have all your money. often they could care less what you say because they have finished collecting. getting your credit fixed is easy when you owe money, because you can say: “Look, I’ll pay it all if you send me a letter in the mail stating you will remove the negative comments from my report.” They’ll send it if they want your money. if they don’t send it, you can fight them and take them to court over it, as they have undoubtedly incorrectly reported your account ( they all do ) in which case you not only are awarded damages in the form of $$ and a repaired credit report.
as i said before, if he is squared away and knows he can make consistent installment payments, he should do it.