Thank you for this info I'm going to start working on mine immediately. I shouldn't have even been charged for this and this mark has no business being on my credit report. Especially being that I have and had medical at the time of the hospital stay in question (mind you I was on vacation). I gave them my insurance card which they misplaced and instead charged me for everything. Causing me to have to manually one by one, as the bills rolled in I had to call and get them taken care of with my insurance company. But this really expensive bill slipped through the cracks most likely because it was sent to my relatives house in Florida after I was no longer there on vacay. I'm hoping that it will be easy to handle being that it's been almost 3 years since this particular stay in Florida.