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RBina

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Should I pay a 500 dollar medical bill from 2009? still on my report.

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2009 + 7years = 2016 Fall off date.

Early exclusion requests are sometimes granted by the credit bureaus to remove negative items slightly early. Transunion will usually do early exclusions at 6 months prior to the 7 year mark, while Equifax and Experian will usually grant them 3 months prior to the 7 year mark.

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It is up to you as to how you want to proceed, but this account should be eligible to be removed soon, without costing you $500. If you do decide to pay it make sure you try to get a "pay for delete" agreement to completely remove the account rather than just getting it marked as paid. Also be aware that old accounts outside of the statute of limitations to be sued for the debt can sometimes be settled for less than the amount listed.

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Do some research on "Pay for delete agreements" and "settlement offers" as well as "early exlcusion"

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Keep in mind that sometimes it takes several attempts to get what you want, whether it be a pay for delete, settlement, early exclusion, etc.

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