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Best Way to Expedite Medical Debt from Credit Report
So I owe, in retrospect a small amount of debt to the hospital, less than 1500 dollars. It wasn't paid because of an insurance coverage dispute (which I still think should of covered me according to my policy) but despite working with the hospital and insurance companies it got sent to collections. I sent collections a cease and desist letter while we figured this out with the hospital but we haven't made any progress and that debt is negatively affecting my credit score. I know that the debt will automatically be removed from my report after 7.5 years but I am looking to be at the point where I will be willing to purchase a home and am willing to pay it off now just to be rid of it. However I also know that just because I pay off the debt to the collections agency doesn't mean that it will be removed from my report any faster, and that I would need a signed or documented proof of payment from the creditor stating that it would be removed from my report post haste upon completion of the payment. However I've only read about that in situations where the creditor- like a bank- is very clear cut. In this case does the hospital count as the creditor and would I need to work all this out through them, or do I need to work it out with the collections agency? Any help would be appreciated, thanks folks.

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