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Shareenmarie

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Can I dispute a collection account to get the "type" reported?
I have a collection account that's 4 head old now. Its a $100 medical bill. Its not reported as medical, so its hitting hard as my only negative info. I want to buy a home within the next 3 years and need this to look better. The company refuses to delete in return for payment, and they're awful people. Disgustingly rude, so I'm done with them. I'd rather wait 3 years if they aren't willing to do anything.

They refuse to report the bill as medical. Can I dispute this with Equifax? Do you think a credit repair agency might be able to go to bat for me to get something better? I either want to pay it and have then report as a paid MEDICAL collection, deleted in general (not likely), or settle. They refused all 3.

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I'm afraid that the disputes are only for whether or not the debt is valid, but it wouldn't hurt to call up the bureau and ask.

Top Contributor
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To most score models there aren't any difference between medical collections to another types of collection. VantageScore supposedly ignores collection account less than $250 and $100 for FICO score models.

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