You should do to protect you

1. write to the collect copany/doctor office to agree to withdraw the report or they have report to credit bu. following the law. There are totally more than 300 rules for the collection company to follow. Non of one company can follow all of them. So normally after you request, they will agree to withdraw. And you already paid the debt.

2. If then do not agree, ask a debt attorney for help. I have a few names if you need. Usually it cost a few hundred or $2000. But it worth to protect your credit.

3. Any collect in credit report will make your credit score low. If you do not buy house in 3 years, you may do nothing. After 3 years, the $80 colletion will not affect your credit too much. But if you wull borrower no security loan, jumbo loan or business loan. It will affect a lot.

Good luck

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• 回複：You should do to protect yo -hahacici- ♀ (98 bytes) () 11/16/2004 postreply 19:38:13