@Anonymous wrote:I have a medical bill for $614 from the hospital.
They offered me the following
The best we can offer you for a settlement in full is 40% off, you would have to pay $368.40 however, for this discount we would report this paid in full to all 3 major credit bureaus within 30 days of your funds clearing our bank.
If you prefer this to be withdrawn/deleted from all 3 major CBR reporting agencies you will have to pay the entire balance of $614.00, and again we would have to wait till your funds cleared our bank to update our records with the credit bureaus
Trying to decide what I should do.
Deletion is always the best option. You want this completely gone from your credit. Just make sure they put the deletion agreement in writing before you pay them.
As others have said, deletion is the way to go. I had the same thing when I was doing my PFDs... Settlement offer, or PIF to delete. The only way that I would do the settlement was if this was going to drop off your reports soon anyway. That way the debt is settled, and you only have to live with the negative for a short while. If that's not the case, PFD for sure.
