If unsure about disavowing particular link or domain. Just do it?

[onlinesource]

I am running through reports of toxic links and I noticed a directory that I submitted to years ago. It was free to submit but they charged me to be featured.

I also heard many great things from people who said they were reliable. Yet, reports are scanning this as toxic.

Should I add it and assume that Google will not really disavow it unless they have gotten multiple requests for it?
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[edited by: Robert_Charlton at 10:33 pm (utc) on Dec 25, 2013]
[edit reason] removed specifics, per Charter [/edit]

[goodroi]

Do you think it is considerably helping your website?

If you do not think it is helping, then there is likely little risk to disavow it. You are either disavowing a bad link or disavowing a worthless link which won't impact your rankings.

If you do think it is helping your website rank, then you should look into building replacement links that are safer. Worst case scenario you lose a good link but develop several others so overall you have a net benefit.