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hello and welcome back to another episode of the mortgage musketeer where today were going to be talking about how to do a pay for deletion so very important to understand that if you are going to deal with a medical collection that you dont just pay it you do pay for deletion [Music] okay so what that means is you dont want to just pay the medical collection because then theyll say thank you very much for the money itll go to a zero balance and it will stay on the credit report for up to seven years all right what we want to do is ensure if we pay that collection that will go away entirely so i hear all the time from clients that oh that was wrong or hey that shouldnt be there or hey im fighting that or hey my insurance should have paid that etcetera etcetera okay now i understand i empathize and i sympathize the issue is is that it is on the credit report and the hospital or the medical company whoever it was that you originally owed the bill to has turned that over to collect