collections agencies and credit scores?
I just received a call from a collections agency (my first time ever). To make a long story short, an emergency room I went to last summer copied down my driver's license address incorrectly, and they were sending my bill to the wrong city. They also copied down my health insurance number incorrectly, which I believe is why my insurance didn't just cover the bill in the first place. I'm fine to pay the bill; particularly so, because the debt collection agency offered me a settlement on it at 50%. I'm trying to find out how this will impact my credit rating. I've never had any problems with credit, and I'd like to keep my clean record. Is it a good idea to take the settlement offer? Is there any legal recourse I should take? If I go back to the hospital and pay the full amount, will this get wiped off? (Also, in case you're thinking I should've been expecting a bill for treatment I received, I was in three hospitals over two weeks after a car accident, and I'd received other bills from this hospital that went through just fine. (It was just one particular doctor among dozens.) Thanks for any advice or info.