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Medical bills weighing on my credit
Im 23yrs old and just recently looked at my credit score, im still learning term and understanding this whole process. When i was 18 i found out i had some back problems so i saw a doc, under the understanding that i was still covered under my fathers insurance. I saw the back doc twice and then found out my dad had dropped me. I ended up $300 in medical debt. Would is be my best bet to pay it pay in payments or wait 7 years. I also heard i can get erased from my credit by write a letter? Do i have grounds for them to erase it? I also have a $300 phone bill debt, my ex boyfriend put his phone in my name without my permission. I honestly didnt know i had the phone debit until about a week ago and it was opened in 2015. Im not sure how to go about this. Any information would be greaty appreciate. Thank you in advance.

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