I will be shortly applying for mortgage loan in couple of months. I have been working on AZEO method to increase my scores. I got reminded of couple of unpaid medical bills. These events happened in 2018. I got mails from hospital provided until 2019 and it stopped. One of the hospital even seem to have forwarded to a collection agency, got one mail from them in 2019 and then nothing. Now i am ready to pay the bills, the hospital which referred to collection still shows the balance in their online account so i believe i can pay them directly. These does not show up on my credit report yet. I have checked all three bureaus Fico reports all versions. Any idea why it is not reporting yet?
If i pay them now, will it hurt me or end up showing on report? Now that i got reminded of them, I am very nervous if this will impact my mortgage process. Kindly guide me
FICO8 Score - TU - 715, EQ - 762, EX - 707
Mortgage Score - EQ - 720, EX - 675, TU - 662
If you can pay the original creditor then I'd go ahead and pay them directly, that means they likely haven't sold the debt off to a CA. I think it is unlikely that paying them would result in anything showing on your reports, since no collections have been reported yet.
It might be worth a call to them to confirm that they won't report if you can get in touch with someone there.
Also I'll point out that you posted this on a Sunday when many people aren't online, I"m sure others will chime in but there's no need to bump your own thread.