Best option for medical charge removal?

[Anonymous]

Hello everyone,

I have been on the road to credit repair for a little while now with the intentions of buying a home in the near future. I have taken different steps to help improve my credit score and have been surfing the boards here as well on my journey.

I am in the process of tackling a medical charge on my CR being reported by a CA. The charges are indeed mine from a few years ago, so I am NOT disputing the charges. However, I would like to get them removed. I have contacted the OC and have had them send me a billing summary. The total is just a little over $200 dollars and I am willing to PIF to get rid of this mark on my CR.

My question is....should I ask the OC to pull my account from collections and PIF? And if so, what next? Wait or send/contact CA? Or immediataly send DV?  

Or should I contact the CA and request PIF for complete removal?

Or should I dispute directly with CRA (after I pay OC or CA)? 

Just not sure what's the best angle to take in my situation. Any advice on my next best step would be greatly appreacited. Thanks!

Marv

[Anonymous]

I would ask the oc to recall the debt and offer to pif for delete.  You may have to do some battling to get the ca to remove their report, but if you keep all documentation, the cra should be fairly easy to work with. Hope it works out for you !

[gdale6]

For unpaid medical debt that is reporting on your CR:

1. Call the OC and see if you qualify for Charity Care
2. If not then ask that they recall the collection in exchange for full payment
3. Send the reporting CA a PFD offer
4. Google the HIPAA Process and contact its creator for help