Verify Account Accuracy
If you have a remaining balance on a medical collection account, ask the collection agency for verification. It must provide documentation of the debt and any payments made. If you believe the balance is wrong, file a dispute with each credit reporting agency; these agencies have 30 to 45 days to investigate your claim.
Pay Your Account
When your account is paid in full, ask the collection agency for a letter verifying the account is paid and that it will report it as a "deletion item." This doesn't always work for deleting the item, but at a minimum you will get a letter verifying a zero balance. Send each reporting bureau -- Experian, TransUnion and Equifax -- a copy of the letter. They have 30 days to update your account as paid or to delete the entry, but once they receive verification, it typically doesn't take that long.