I own my own house and car. What do I need them for at this point?

And like I said, after 7 years it will be off my credit score anyway.

I have other credit cards that are in good standing so my credit score is still good at the moment. And likely will be considering I have ~50k available credit in all my cards, not including my line of credit at my local bank. I pay my cards in full every month, all of them have a zero balance currently. So roughly only 8k in delinquent debt is hardly any concern of mine.