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shanstu70

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how do i settle with debt collector
I have what I believe is an error in my record of debt collections. I have a medical bill that was later paid by insurance. I ignored the bills because they had been covered by insurance, but 3 years later they are sent to collections. I am about to apply for a mortgage and want to make this go away by offering to pay a portion without admitting it is valid.

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If you had taken the time to read the articles here, you would already have that answer.  Jus tpaying the bill will not make it go away.  There is a statute of limitations on collections that varies by state and it would help knokwing that.  Also, the best  way to get something off your credit report is to negotiate a 'pay for delete' agreement, also covered in the articles here.  AND, until you understand basic credit management, you are not really in any position to buy a house, and mortgages are also covered in the articles here.  BTW, you joined CK the same year I did (2012),

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