I have on my EQ and TU report a $274 collection with KY ACCTS SERV, EQ only gives code numbers to CA, TU lists KY ACCTS SERVICE both assigned back 03/18/ 2011. I do not recall a dunning notice in the past 6 years- too long to remember, on EQ it is listed to me as Medical with no OP, TU shows the provider on the Orthopedic Provider (broke ankle requiring surgery, 3 months in cast) and only comment, placed for collection. There are no other collections for that amount or near that amount anywhere else on my bureaus. I do have 4 other collections, all medical under $100. No public records, no deliquencies on any or past rev credit or installment loans.
The BBB shows this CA is no longer in business. I'm ultimately wanting a removal. In this one particular collection, how would you handle this? DV with a chance it did get sold to some other agency that is currently not reporting and wake a sleeping giant with new collection hitting on reports? Wait a year to see if it might possible just drop off? This is my oldest collection reporting on any of my CB reports. I would be able to pay in full with hope it would result in removal.
Advice please?
ETA: My husband and I are trying to clean up reports, have good standing for a mortgage in 2018 or earlier if mortgage scores are in a good range.
