Need advice on this medical collection

[ManofB]

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.

[Why Chat]

I don't know what part of the HIPAA letter program you used, however, before you try a USELESS PFD start over with the HIPAA letter program:

 

http://www.whychat.5u.com/GUIDEBOOK.html

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

If the account is over 5 years old you should be able to get it deleted with the initial dispute letters

http://whychat.5u.com/hipaadisp.html

 

If you pay the CA you will SINK your credit scores as your reports will have an UPDATED "paid" collection, which will still be derogatory, but 5 years more recent.

[ManofB]

OK, I wasnt sure that starting the program over was an option since it had already been investigated. Figured I would get one of those letters saying we wont investigage again. Thanks.