bigmistake22 Posted April 6, 2022 Report Share Posted April 6, 2022 Good morning, I'm still learning the ins and outs of disputes, goodwill letters and credit reports in general. I have a quick(ish) question for the experts (basically, anyone but me, at this point b/c I'm driving myself crazy) I read somewhere (maybe on this board or another credit repair board) that Credit Collections Services will do a PFD. Unfortunately, I did not know this a the time and we opted to settle a medical bill for $210 (instead of $262). Currently, it's being reported as "Paid in Settlement" What would be my next best course of action to have this collection removed from my account? I believe that, come July, all paid medical debts under $500 will not be reported to the credit bureaus. I assume this is for accounts that are settled for "less than full". Is that accurate? Is this a case where I can do a Goodwill letter to see if they will remove it? It looks like the last time it was reported was Jan 2021 - which is when I believe I paid it. There is no data prior or Dec 2020/Jan 2021 - both months have a C for collections. After that, all dasahes. There's no balance reported either. It's blank. I contacted them today and they said they do not delete. I asked if they could, in good faith, stop reporting, esp in light of the fact that in July, paid medical collections under $500 would not be reported. He said they did not do that - they had to report what was accurate. I know, from reading the boards, they cannot alter what is in the file but they also are not obligated to report it. He seemed a bit unsure/young. That, paired with my inexperience, made it a bad phone call. I decided to stop and figure out a better plan of attack. Any suggestions? Here are the specifics of the account. Thank you in advance! CREDIT COLLECTION SVCS I Account Type Collection Date Opened10/01/2020 Status Paid in settlement. Status UpdatedJan 2021 Balance - Balance Updated - Recent Payment - Monthly Payment$0 Original Balance$262 Highest Balance$0 On Record Until Oct 2026 Quote Link to comment Share on other sites More sharing options...
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