I have decided to pay some medical bills that are in collections before attempting to open any more CC's. I want to go about this the best way and get this things off my credit report. It's two separate bills for about $50 each. I have the ability to PIF. They are approximately 2 years old.
My question is.. What is the best way to do this. Should I call the Original creditor or the collection agency that is on my CR? I think a PIF will really have some leverage to get these accounts off. I feel like at least asking if it can be PFD before I start the "hippa process".
Any advice is appreciated. Should I give them a chance to work with me since I'll be PIF? Please advise!
My question is.. What is the best way to do this. Should I call the Original creditor or the collection agency that is on my CR? I think a PIF will really have some leverage to get these accounts off. I feel like at least asking if it can be PFD before I start the "hippa process".
Any advice is appreciated. Should I give them a chance to work with me since I'll be PIF? Please advise!
Starting Score: 565