Because the medical bills that are showing up are from a car accident (drunk driver no less), we had a file of paperwork. Two of three of these are directly from that accident and should have been paid through the insurance company (wasn't husband at fault). It is $300 and $163 due, out of THOUSANDS that was paid, so obviously something fell through the crack. So here is what I am wondering....what if I send payment directly to these two OC's? There is still 2 years left on SOL, my mortgage broker said not to worry about them after I explained (but I still wonder how it is affect the rates we are getting for the home mortgage). Should I validate with the CA that has the OC and wait for them to bounce it back first? Of course I could just let things be, if we are okay with our mortage loan going through, we plan to stay put for 5 years before moving again, and I could have all the old medical discharged for SOL by then, bringing up the credit score good by then. Just need some advice. Can't believe I found the bills...nothing short of amazing when considering I can't even find a pen around here. THANKS Laura