Its against CRA's agreements with creditors not to delete accurate info. But they do it anyways. So they wont send letters in most cases to cover themselves so you dont send it in as a dispute. Sounds like they dont own the debt and are collecting for the med provider. Pay it and be done with it.
Their responce was a slip of the typing per say anyways:
"We will delete the collection items from your credit bureau reports."
I always thought once a collection agency has your account, the original creditor has sold it to them and the original creditor can't help you anymore. I find it easier to deal with a collection agency, they don't have a personal relationship with that name on a file, while the original creditor is always butt hurt and won't delete that entry on your credit report.
It seems the OP has a pay for delete agreement in writing via that email.
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@stonedog23 wrote:I always thought once a collection agency has your account, the original creditor has sold it to them and the original creditor can't help you anymore.
Nope, they can collect on behalf of the owner or be collecting for themselves if they are a JDB.
Medical collections are some of the easiest to get removed from your CRs, here are the steps that you should follow to address them:
1. Call the OC and see if insurance can be billed, (or-rebilled), collections ultimately paid by insurance get removed per new rules that came from CRAs settlement with 22 state AGs. If not then
2. see if you qualify for Charity Care, if not then
3. ask that they recall the collection in exchange for full payment
4. Send the reporting CA a PFD offer
5. Google the HIPAA Process and contact its creator for help, this process cannot be discussed in any forum of myFico.
They gave you exactly what you asked for. The email says they will delete it once you pay. I think you're all good here.
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