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I received a dunning letter from West Asset Management for a very small medical bill I have overlook. I thought my insurance covered all the cost of a visit to a specialist but apparently it didn't. The amount is so small disputing it isn't worth it. I can pay the bill right away but I'm concerned that it will be placed on my CR as a paid collection. Currently it's not showing on any bureau and I checked today. Is there a way I can ensure it won't showup when I pay? I'm going to pay right away before it shows up.
It is standard in such situations to make a "pay for not reporting" offer to the debt collector, where you offer to pay under the condtition that they agree not to report their collection to any CRA.
@RobertEG wrote:It is standard in such situations to make a "pay for not reporting" offer to the debt collector, where you offer to pay under the condtition that they agree not to report their collection to any CRA.
Should I get it in writing or just trust they will not report?
It is always best to get it in writing.
However, it is fairly standard for many debt collectors to decline to provide a formal, written PFD or pay for not reporting offer.
You then have to decide whether insistence on a written confirmation may become a deal-killer.
Their agreement is totally voluntary, so I would normally recommend making the request, but backing off if they balk.