[scorch]

OK, so right now I have 4 accounts in collections. Most of these were from 3 or 4 years ago. I wasn't able to pay these amounts at the time and the reason why I never paid is because no one was able to get a hold of me as I have moved from state to state, city to city etc.

All of which are medical related. A while back, nearly 6 weeks ago, I settled with a collection agency thinking it would improve my credit. They told me they would take it off my report (over the phone), but I'm a little leary as to whether they will or not. I have pretty much just been waiting this one out to see what they'll do. What do you think?

Another 2 accounts were from the same hospital. When I called the coolection agency a while back about them, they had one of the two in their system, but the other was actually taken off my credit report and returned to the hospital. The hospital said they did that because the collection agency wasn't doing anything with it and they were probably going to sell it to another agency. I actually negotied with the hospital too and they also said they would take the two accounts off my credit report if I paid them with a 35% discount. They even offered me a loan through their colorado credit union company without a credit check to get it taken care of. Good idea?

The fourth account is just idle right now. I do appreciate any advice. Thank you.