I just found out that my wife had a debt from a doctor related to our recent pregnancy go to collections. I found out because credit monitoring picked it up - I haven't heard from a collections agency yet. The irritating part is that this is a first for us and the debt is tiny ($200). From the credit report I figured out what doctor's office it was, called their billing department, and confirmed that we we did in fact owe them $200 which they sent off to collections. They claimed to have sent the final bill in December (their system doesn't record whether or not they had sent other bills previously).
The extremely frustrating part of the situation is that if I had received a bill I would have paid it without question - $200 is tiny compared to most of the other bills related to this pregnancy, and the rest were all paid immediately. It seems very likely that this was a screw up on the part of the doctor's billing office (not that the debt is invalid, but that they failed to properly contact me before sending this off to collections), but unfortunately my wife is the one who had 100 points knocked off of her otherwise good credit rating for no good reason.
I haven't talked to the collections agency yet. They haven't tried to contact us yet. Paying this off is not a problem in the slightest. What I want is to get this off of the credit report and get my wife's credit score restored. I originally expected that I could offer to quickly pay this in full in return for having the collection removed from my wife's report, restoring her credit. However some of my reading leads me to believe that getting this off her report may not be an option regardless. I'm trying to figure out what is actually true so I can figure out how to proceed with the collections agency.
Is it possible to get this off my wife's report and her credit rating restored? I.e. if I promise to pay quickly and in full in exchange for this collection being removed from my wife's report, can the collection agency actually do that? Obviously I would get everything in writing. If they remove the collection from her report, will it bring her score back up?