My Medical Collections - To Pay or Not To Pay?

[Anonymous]

So I have two medical collections and I will give you the specifics here:

Central Financial Control

Collection Department / Agency / Attorney 

Subscriber reports dispute resolved - consumer disagrees

$136

10-05

Showing as a collection account in my Experian credit summary

NCO

Unknown - Credit Extension, Review, Or Collection 

Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department 

$40

8-05

No clue how it is showing in my Experian credit summary (it looks like revolving for some reason)

I have seen alot of information on disputes, PFDs, and HIPAA.  I am really looking for someone to give me some personal insight in what to do with these?  I am fine paying today and I think this is the right thing but I am continually confused as to aging, re-aging, and whether this will drop my points.  Score Alert updates show point decreases the same day each month they update but that may be other factors.

ANY help in most greatly appreciated!!!

[Anonymous]

I would at least try for a PFD. Never hurts to try.

[UnderEstimated]

Attempt a PFD, but regardless the morally right thing to do is pay it off. 

[MercyMe]

  DV them both, if you're not sure what they are for.  DV the NCO, most certainly, if but to determine what this is, exactly.  Once you do that, you'll be in a better position to decide what to do -- PFD or dispute or GW.  I hope this helps.

mercy