95 point FICO score drop

[dazed&confused]

I did my annual credit check and discovered a 95 point drop on my FICO score (EXP) it appears I have a disputed ambulance bill ($750.00) go to collections in November. To be perfectly honest the bill is ultimately my responsibility, the dispute between my insurance company and the ambulance company is a slow ongoing process but i feel the OC sent me to CA to force payment.

That being said where do I go from hear I REALLY need my score back up by this spring or early summer (house)

MY plan is as follows

1) PIF to OC
2) GW letter to OC to delete
3) if GW is denied sent HIPPA letter to OC

Any advice????? I'm willing to PIF only if it will improve my score if not I ITS

[chane]

I wouldn't pay it in full unless they agreed to remove it first. Get it in writing that if you pay it, they remove it.