I had a procedure done about three years ago and received two bills totaling just over $1,200. Never paid anything on them and now they are in collections. I'm in the process of cleaning up my credit in anticipation of buying a house in 3-4 years. These two bills are the only items in have in collections. I have contacted the agency about a year ago that holds the debt and they would not negotiate a payoff amount. I am concerned about how long I'll have to wait to get it off my report if I paid it off now but just read something that said if its a medical bill, it is taken off your report as soon as it's paid. Is that true? If it is, I'll pay it now and have it done with. If not, should I pay it now or just let it go till it disappears?
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