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About mooshmoosh

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  1. I have been working on my credit since this past February. I pulled my credit report again in may I noticed a collection account from a hospital. I never received the initial bill. I called the hospital they told me to contact the debt collector. I called to request an itemized statement. My question is should I settle this as I am in the process of cleaning up a few things before applying for a mortgage. I curious if this stays on as an open collection will it affect the debt to income ratio. I am debt free but this is the only thing dragging down my report. Any advice would be appreciated. I