Pay debt in full with agreement not to report


I’m currently sending Aargon Medical Collections a (very) modest monthly payment for a $3500 medical debt. I really never hear from them, and the debt has never appeared on my credit report. I don’t know why it’s not on my credit report. Mistake? Oversight? Maybe they don’t have my SSN? No idea.

I want to pay the debt in full, but I want to be certain they will not discover their failure to report it and then go ahead and ding my credit report. How do I go about handling this? Should I pay an attorney to compose a letter?

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Posted by Anonymous
Asked on August 17, 2019 2:44 pm
Public question
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No creditors is by law required to report to your credit bureaus. Once it is with collections and they are on a repayment plan they may choose just not to do so. You should have gotten something in writing agreeing to the payment plan, if not see if they will do so now. You should also ask for acknowledgement of receipt of your payments, and then when you believe it is paid off for a satisfaction letter/notice to the Court.

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Posted by (Questions: 0, Answers: 12)
Answered on August 19, 2019 9:29 am