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The funny thing though, it is so common for medical bills to get to collections that it doesn't effect your credit rating like other bills would.

I heard that too. I have 2 bill in collections from 6 years ago, still negatively impacting my credit score. The 7 year mark is coming up in two months so I will see how it affects my credit.

Can you negotiate with the collector to get the bad credit entry deleted and pay and a discounted percentage of the bill ?

I read somewhere that’s how to fix your credit rating, wonder if it’s also good for s discount ;)

Yeah, that's called "pay for delete."

This actually can work, but you have to remember to check up art the right time before they send to collections. Don't forget about it or a collector will be calling you.

That's actually my point. Eventually someone will call you and want to negotiate to get partial payment.

Yes, and you can negotiate with the collector, but at that point your credit report is damaged so probably not worth it.