So I have a 50 bill on my credit report in collections. It is from the local hospital here. I know you all say to stay off of the phone...but I was wondering if I talked to them and they agreed to do a pfd...could I then send them the letter before the payment?

is it $50?

You should follow why chat's hippa procedure. You can still pay the bill but you are more likely to get a deletion that way.

yup just $50....and I know it is mine...that is why I don't want to dispute it. I want to pay it because I owe it...but I want it gone

read through Why Chat's process, then you can send the $ when you get verification/validation

it doesn't matter if you want to pay it, that way you can probably ALSO pay it and get a deletion. Its more likely than a PFD especially done over the phone.