Default061, kalle bhanyo 3 years? I hate when people give blatantly false information, specially overriding an information given my somebody else. It stays there for 7 freaking years homeboy.

"According to the FCR Act Section 605 a debt can remain on a credit report for 7 years and 180 days after the delinquency that caused the account to go bad"

Sr2008, kuddo haina Kiddo bro. The reason I emphasized on writing a letter is because rather than just talks is because it gives more formality and documentation.Corporations will treat it more seriously and it has personally worked for me. While you can still try Geico's approach, it might not yield much specially since Hospital will tell you it is already forwarded to credit agency and they can't do much and you have already asked the Credit agency for reduced fine. Becareful, sometimes Creditors can call your neighbor and your work place too so try to be proactive on this.