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12 medical bills in collections to same company, pay off in full or payments??
Hi, my sore is 525,in hopes of buying a house in about 3 yrs.,I need to fix my credit. I have 12 medical bills that have gone to collections with same company on my report. Should I try to settle and get them to take off of report or make a payment agreement? Can they consolidate all the bills so it isn't 12 separate negatives? They are all from within last 2 yrs. My credit history is 4 yrs, and I have paid off all my credit card debt, most are showing paid, closed. Just got the capital one secured card to start building up my credit again. Any advise would be greatly appreciated on how to improve my credit within 3 yrs!!

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