You need a copy of your credit report first. Look at the reported date. If an account is there as a collection but hasn't reported since say, March, DO NOT CALL THEM. It will put you back on their radar. They could start reporting you as in collections every month again and all of a sudden your fico just sufferered a collection hit from March until now. It only drops your credit score when they report you month after month as owing money. Medical collections are typically overlooked, but they are part of the big picture, so to say they are ignored is also inaccurate. Ooooh, pro tip, if you have any medical collections with Universal, they will delete the collection all together if you send a separate check for $25 when you pay the account. Crazy but I do it every time I see Universal as the collection agency on someone's credit. If you want to let me know what you have and what dates they are from and the balances/if any payment is reporting, I'd be happy to tell you what to pay first ,and what to ignore. good luck!
