I was in a XXXX accident. I had multiple bills from XXXX Hospital, one of them being XXXX. It was then sent to a debt collector because it was not paid on time. I was working on a settlement with XXXX XXXX at the time. It finally got settled and closed out, however, it is still on my credit score and making it lower. I need it removed from my credit score as soon as possible because I am trying to get a loan for a new car. I ca n't get a loan from my current bank for a car because it is showing delinquent bills on my credit report. That is not true. They have been paid and settled.