I discovered this website, 3 months ago, and I can honestly say I've become obsessed.
I'm currently rebuilding my credit and have a quick question.
I currently have a medical bill in collections and it's on my credit report, I had set up a payment plan with them (I did this prior to discovering this site). Anyway, is it too late to request a PFD? I've only made one payment thus far. Of course I'd rather pay them in full and have it removed from my credit reports. Any and all help will be greatly appreciate..
