Hello, thank you for reading my post. I'll try to be brief and I hope you can help me.
I received a letter/bill from a collection agency in October. Two weeks later I got a letter/bill from the original creditor. I telephoned the OC and they said the bill had gone
to collections on September 29th, but they started talking to me about making payment arrangements, so they seem to still "own" the debt.
I am desperate to keep my credit report as clean as possible. I'll pay in full immediately if necessary. I don't know whom to pay, I don't know if it has hit my report yet etc.
I'm afraid to delay further while I order credit reports, etc. Should I just offer to pay the OC in full? Do I need to try to negotiate a Pay for Delete?
Also, this bill is for unpaid Medicare insurance premiums. I was wondering if that means it is a medical bill and won't count on my credit report as per new FICO rules...?
I really appreciate the advice of anyone who answers. I'll be glad to clarify anything and anyone is welcome to send me a private message. Thanks so much again.