Medical collection of 52 dollars with IC system. Remove from my credit

May I ask you a question: I have a collection with IC system -medical collection in the amount of 52 dollars. I called them today to see if they would settle and asked them if I paid the bill would they remove it from my credit? they said, NO, their policy was to only report the amount as paid with the reporting agencies. they were very rude!! (go figure)a co-worked advised me to send a check, and under the endorsement, state: by cashing this check you agree to remove completely. He said, I could then send a copy of the cancelled check to the CRA's as a dispute to remove. thoughts? otherwise, I really don't know how to handle.
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i would just pay them and go on with your life
52 dollars is not worth any hassle.
for them or you.
they don't care. they will just leave it on your report and not cash the check.
if it was for like 4000 dollars you might have a chance.

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no one is entitled to have a poor payment record removed from the report
it is a
sometimes used courtesy or leverage for re payment.

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thanks! i may just leave it for now. I have applied for a mort. loan and have been pre approved. If i have a recent paid or activity on the report, it may lower my score. (when they do a final run through) A few point lower will kill me.. I was trying to get a few points higher. Looks like I'm stuck! I heard through a friend that IC system is the WORST to deal with. I also heard I could send a HIPPA letter to the orig. medical provider to see if they would remove it.... Or i may just hang tough, and make sure my mort. goes through. being able to JUMP on a great deal right now is very important. I'm in cali and single...this maybe my only opportunity to buy real estate here. Sad huh! LOL
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if you are pre appoved
forget it about it
your right
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i guess you have 3 open current and rated accounts right not that report to bureaus and have at least 24 months reported. I also assume all of your accounts are less than 79% leveraged against your high credit limit. Home loans take the logest to reduce below 79% borrowed. Car loans are second with most loans being less than 72 months. revolving credit has the largest protential to raise your credit score fast. Just pay down to less than 79% and your score will go up now.
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Just to clarify....I shouldn't worry about getting those past due records from 2003 off my credit report. Rather...just reduce the amount of revolving credit to less than 79% of credit limit. How does this apply to amex? We don't have a limit on amex account, so it doesn't report that AND amex doesn't report our payment history. I wish they did, cause it has been perfect.
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yes do that
79% or less and boom
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Thanks a million..they should nominate you for a Nobel or something...