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I have a medical collection account on my credit reports to the tune of $330. It is out of the statute of limitations. PFD letters go unanswered. So I began emailing the owner of the collection company back in February. Flash forward to three weeks ago. I get an invitation to connect with the owner of the collection company of LinkedIn. I have not accepted the invitation yet. Its not quite 5 years old. My ultimate goal is get a mortgage in a year. This is one of two collection accounts that I have not been able to get rid of. I'm wondering if I should start over with him on the PFD. Would it be much of a score boost to get this off my report now? Or should I just let it ride and pay it if it comes up during the underwriting process when I finally go for a mortgage? I have some high utilizations that will be paid all the way down next week, and I would still have money to PFD this in full. My current scores if it matters: EQ- My Fico- 633 TU- My Fico- 620 EX- FAKO- 610 Now I did follow the whychat HIPPA method up through getting validation (copy of medical bill) through the collection agency. Then I moved. And now I cant find that bill. Which obviously makes it tough to proceed with paying the bill and sending a copy of it as well as the insert for paying the OC.