I have another question. I have some medical Bill's most are for services provided to my kids. The hospital in question does not use a collection agenmcy to collect money, instead they have a inhouse colollection. What is the best way o tackle this? Should I simply pay them? My goal is to be able to buy a house within a year. I did send them a validation letter but for what I am reading they do not have to answer I am considering sending a second letter disputing the charges rather than validation, is this a good idea?