In 2004, I accrued about $32,000 in medical debt after a car accident. The debt is now approximately 6 years old (The Statute of Limitations in my state, NM, is 7 years).
Since 2004, I have applied for a security clearance twice at my job and been rejected each time because of these debts. This year I recently checked my credit report and found only about $1000 from one collection agency is still being reported.
I plan to apply for a clearance again this year. Should I worry about the debt, if it is no longer showing up on my report?
I have also read about writing 'Pay for Delete' letters to the collection agency. I would like to write one to pay this off but I am hesitant to do this. The agency that is still reporting the $1000 dollars had another account for $12000 (of the total $32000) that they were trying to collect. I am afraid they will continue trying to collect the $12000 and the account will re-appear on the credit report if I try to contact them.
Any assistance is appreciated. Thank you.