Well, First of all i am very sorry that you fucked up your credit for 1800 bucks. Shame on you. Credit / credit score is one of the most important trust tool in USA to get loan, finance, home or even job. I would recommend calling discover apologizing and bargain with them about the amount to pay. It seems like in your case it may have been reported to other collection agency so google, phone and find about that company and pay 500 asap but make sure you make them send any legit written notice and cross check with other things and your bank. My advice to newbies "dont fuck up the credit, be frugal and be smart about using plastic".