Debt "drop off"

[namvet]

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@llecs wrote:

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@jonjohn wrote:

I have a medical bill that was unpaid. When I look at my credit report, it says it is "scheduled" to drop off in Feb 2012. People keep telling me to just let it "drop off". If you make a payment, it will stay on there for another 7 years. However, I recently read that things will drop off 7 years from the first delinquency????? Anybody know???

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Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

Paying it will not lead to its reporting for another 7 years. The FCRA is clear in that a baddie like this will stay for 7-7.5 years from the DOFD of the debt. Paying any bad debt will not reset the DOFD.

Now pay it if you feel you owe it. You can also be sued for it too if your state's SOL had not expired, though it's highly unlikely they'd sue for $87. If it were me, I'd wait until it falls off and then I'd pay the doctor, not the CA.         +1

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[jonjohn]

I actually sent a letter of intent to the collection agency as someone suggested and they DID agree to have it removed.... Thanks for all the help.

[pizzadude]

Great !  That's terrific that they agreed to delete it from your CR