It stays 7 years from the date of the late payment that caused it to be reported to the collection agency, even if you pay it off.
In accordance with HIPAA, your medical information may be reported for purposes of collecting on an UNPAID medical bill. Once the medical bill is paid, there is no longer a permissible purpose for divulging your medical information. Therefore, a paid medical bill should automatically be removed form your credit file in accordance with HIPAA.
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