@Anonymous wrote:I have two recent (under $300 total) medical collections show up on my account on 4/1/15. It resulted in a 2 point drop in my score. I called the OC, and asked them if I paid them could they have it taken from my report. They said they would contat the CA, and they would have to do it by law. She obviously didn't know what she was talking about, but I called the CA,and asked if they would do it anyway. They said no, and added it was against the law to do so. I told her CA's are doing it and have been doing it.
My question is this, if I pay, and it shows a 0 balance, does it help at all or should I just leave it as unpaid? No it wont help your score.
For unpaid medical debt that is reporting on your CR:
1. Call the OC and ask that they recall the collection in exchange for full payment
2. Send the reporting CA a PFD offer
3. Google the HIPAA Process and contact its creator for help
