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Medical Collections Should I start over?

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Kennie02
Frequent Contributor

Medical Collections Should I start over?

I sent a PFD in 2011 for two medical collections. At the time the info I received (on a different site) suggested I send a settlement offer. I got a response but they never signed the agreement so I dropped it and didn't follow through. I was afraid that it wouldn't get deleted and it would just start the SOL over or something. Anyhow, I would really like to get them removed. Should I send the same letter again? If they respond should I just hope they actually delete it? 

NFCU cash $25k | BofA Custom Cash $25k | Amex BCP $18k| Costco Anywhere $14.5k | Apple Card $5.25k | Cap One QS $4.5k | Sephora Visa $4k | Discover It $3.5k | Citi DC $3.5k | Citi AA Mile Up $3.1k | Chase Amazon $3k | Amex ED $3k | Chase IHG $3k | Chase Freedom Unlimited $2.5k | Chase Freedom $2.5k | Citi Rewards $2k | Last HP 8/16/22
Starting score 09/2013: 530 Current FICO 8:
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