I have a bill that was posted on my credit 7/13, I would love to get this removed. Do I a) pay the bill and afterwords dispute it to try to get it removed. try to do something like correct all of my address and say this bill isn't mine. c) try too settle it and only pay 650.00. I am about to move and will be trying to rent a new place to live in CA, I live in OK now. My scores are EXP: 630 EQ: 640 TRA:675. This just recently hit without this I would be pretty close to 700's. Any advice?