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  1. Hi, A friend of mine used this website when he was clearing up his credit a few years back and said that it would be a good start for me. I have some medical bills from 2008 & 2013/2014, that I didn't even remember incurring. Pure oversight on my behalf. They never appeared on my credit report until a month ago. I called the hospital and ask if they were able to lower the amount owed so that I can pay this off, and the only thing they are willing to do it take off 20% if I pay it all at once over the phone. Now, I work in the healthcare field and am well aware that these bills w