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.

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Bill HenryFounding Partner | 19 years of experience

Bill HenryFounding Partner 19 years of experience

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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