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  1. hello I am an 18 year old; I had a medical emergency right when I turned 18 and now I have a medical collection that I have agreed to pay in full. I contacted the collection agency Paragon Svcs of NC last week and negotiated over the phone to pay in full if they would send me a pay for delete letter via email. below is the letter i received. Does this letter look valid? or should I ask them to state the credit bureaus? I am primarily concerned because it does not explicitly state that they agree to delete from all three credit bureaus instead they just use the word credit. any a
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