I have a medical bill showing on my credit report-1st delinquency 12/2006, I plan on calling and awing for PFD, if they don't agree then what should I do? Just pay?
Definitely try for the PFD, if they refuse, then I would pay it (for only $20). Then dispute with the credit reporting agencies, there's a good chance they will not verify, since it's paid. Or...try to contact the original creditor, often medical offices will "accept the payment, and pull back the collections". It's worth a try...
