Should I even bother trying to dispute this one since it's almost at the 5 year mark? How much is it hurting me, it's not big amount to pay it as it's only $75, just not sure if should pay OC if possible and try to get recalled or pay and HIPPA it.
is it reporting to all 3 CRA's?
Yeah. I had thought insurance had taken care of it, apparently not though. I was sooo not as informed as I am now about repair so I just let it sit. I don't get contacted by the CA at all I don't even remember if I ever had since it was so long ago. I can definantly pay it though since it's such a small amount.
Maybe a PFD would be better in this case. For that amount I think it would be your best bet.