I JUST APPLIED FOR A CONSTRUCTION LOAN AND A MEDICAL COLLECTION CO. WORKING UNDER THE HOSPITAL. HAS AFTER OVER A YEAR HAS POSTED A RECORD ON MY REPORT. WHAT CAN YOU DO TO REMOVE OR PUT INTO DISPUTE. OR WHAT WOULD THEY EXCEPT AS A OFFER TO SETTLE. 50% OR LESS OR MORE. NOW ANOTHER ONE FROM THE SAME HOSPITAL HAS SENT ME A LETTER WITH AN OFFER OR 15% THIS WILL SCREW UP TEN YENS OF SAVING AND PAYOFF THE LAND AND DEBT. NEED HELP IM DROWNING HERE!!! ALSO ON LETTER TO SEND TO CB'S TO REMOVE IT