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One Bill in Collection!
I have one medical bill in collections for $213.00. I have the money to pay it off now. It is the reason I have not been able to get unsecured credit cards apparently. Anyways, how do I insure that it has been marked as paid in full and taken off as a derogatory mark on my credit history? Do I contact both the collections agency and the hospital or what? Do I need to get them to send me something or both of them or what? I desperately need help with this so I can start building my credit history so I can get a home loan later on down the road. It is the only thing I have on my report other than on time student loan payments without missing a single one. Thank you everyone and I would like to have several opinions if possible!

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