Never received a phone call or bill, ran credit and I owed from a bill in 06. Wouldn't negotiate, it's been on my credit for 5 years that I have this outstanding and I had NO Idea. It was a medical bill that I assume insurance didn't cover. I would have much rather paid it 5 years ago than have to explain it on my credit. That I had no idea it was outstanding. I had to search for them just to find the company to pay them the money I owed.
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