I have a question about an old paid medical collection that is showing on my TU report...I asked them to verify the collection and they sent me a report back. It says "date placed for collection" was 12/02, "date verified" 10/04, "date closed" 04/03 and, "estimated date this item will be removed" 09/09. This is the only 'baddie' on my report and is holding down my score a lot (compared to my other reports where it does not show up). My question is, should I believe that they will remove it this September or should I go ahead with the HIPPA process? Do they stick to their 'estimated date of removal' or do you think it will hang on my report longer (given the other dates I mentioned above)? Hope this is clear! Thanks for any input!
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