Response for PFD #1

[dougnukem]

Just got off the phone with the attorney's office that is handling the collection account for an old medical bill.  I had mailed them a PFD last week, along with another place.  They told me they received my letter and understand I am willing to pay the full amount, but will not remove the collection.  They will update the balance to a zero balance.  

Is this still a victory credit-wise, or will it have no impact until I can get a GW to get them to remove it completely?

[lesse]

A collection acct has the same negative impact paid or not paid ... U really want to try to get it removed for it to have a positive affect. I would try to contact the oc for the medical debt to see if u can pay them and hav them recall from the collections

[DiabolicallyRandom]

I wouldnt really call it a victory.  If you pay it in full they are required to report it as so.  Is it still within the SOL? If so I would contact the OC and see if there was anything that could be done through them. If not then I would go ahead and pay it and call it a victory because I paid off an old debt, not that they had done me a favor.

[dougnukem]

Unfortunately, I sent the PFD to the CA because I had spoken with the OC a month ago.  They had said they couldn't do anything for me.   It is a hospital bill from 2009, so I'm guessing they have long since washed their hands of the bill.  I could give them another call and see if I need to speak with someone higher up than the standard level employee that answers in the billing department, not sure if hospital billing is set up like that though.  

[sosabe77]

Moral victory maybe.  Paid collection is still pretty bad in terms of scoring.

[dougnukem]

Yea, that's what I figured.

I was able to get in touch with both collection's OCs and neither one can take the account back for a payment.  So I'm stuck paying the CAs and eating the collections on my account for the 7 years, unless I luck out with a GW.  Suppose I should be grateful that I can at least pay them now, since I was unemployed for about three years right when these both transpired.