How to handle a medical collection - Help

[34Roses]

I have a medical collection for $490 from 7/30/16 and it has been placed on my credit report. The company is Account Services in TX.   Is it better to PFD in full and have them delete it  or take the settlement they offer and just have them update it.  I will be applying for mortgage in the next few months and this is the only baddie on my report.

Thanks in advance

[gdale6]

For unpaid medical debt that is reporting on your CR:

1. Call the OC and see if you qualify for Charity Care
2. If not then ask that they recall the collection in exchange for full payment
3. Send the reporting CA a PFD offer
4. Google the HIPAA Process and contact its creator for help