Anyway, I found it was only dinging my score like 20-30 points (6 years is pretty old on a report) and it didn't make any difference on some things because small medical debts were excluded from consideration of certain things like ... insurance.You are probably correct. This is $400. It is over 6 years old, and the statute of limitations in CO is 6 years for most things, 3 for others. It is unclear where the clock starts though. I don't imagine I need a loan anytime soon, and the last time I checked my credit score was 810.It's just a pain in the rear, and I have better things to do than deal with this.Thanks everyone for your help.V
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