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Bill in collections and credit score

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So here is my situation.  Credit score in high 7s.  Trying to buy a house this year.  A medical bill got past me and went to collections.  I’m planning to buy a house this year so my credit score is the only thing I care about.  The bill is only 120 and I have no problem paying it.


tomorrow I plan to talk to the dentist and see if I can pay them directly and have it pulled from collections.  Will this keep the matter from ending up on my credit report?


or do I have to make a deal with the ca?  Like I said my credit score is the only thing that matters so how do I best approach this?


i have read that many ca don’t report if you pay within 30 days but I have also read you can’t trust anything they say.



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You CAN pay the dentist directly AND keep it off your report.

Follow this guide



Pay the dentist with  a BANK MONEY ORDER( Is considered the same as a cash payment) with an endorsement on the back "For deposit only account of (name of dentist)

At the same time you can use this this shortened version of the HIPAA letter;

(Your Name)
(City,State, zip)
s.s.# (social security #)
( health care provider creditor)
Dear Sir/Madam;

This letter is in reference to (account #) for services provided to (name of patient) on (date of service).
In regard to the bill on this account in the amount of ($___):


Enclosed please find my remittance of ($___) for payment in full of this account.

Please note, my remittance is payable ONLY to (hc provider) and may not be signed over or transferred to any third party collection agency, as this would constitute a violation of HIPAA

Your furnishing of my account information to (collection agency name),and any subsequent reporting of this account on my credit reports  has no permissible business purpose since divulging protected health information to anyone on an account once there is no longer any payment due is prohibited.


.In addition the Omnibus Final Rule states:when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information.This letter serves as that instruction.


Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. 


(Your Name)

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