Well I just had my first setback. Got a collections letter today for a medical account that I thought I had paid off months ago. According to the letter I still owe $16. This makes no sense to me because I wouldn't have left a $16 balance when I could have easily paid off that amount at the time. This account didn't show up on any of my reports that I checked several weeks ago. While my first instinct is to go to their website and pay the $16 to get them out of my hair, I realize that might not be my best move. I'm aware of PFDs, but I'm not sure about all the ins and outs. For instance, in one thread I read that at the time of the initial collections notice, the collections account may not have been reported to the bureaus yet. In that case, I wouldn't be paying for a deletion, but instead paying in return for them not reporting it in the first place. Is this correct? Or would they most likely not report it if I simply went to their website and paid them today? I wish I knew whether it's been reported yet, but CK won't update until Monday, and even if it has been reported would it even show up by then?
