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Medical Bill question

J

JennifersHope

New member
I have a question and admittingly, I have no idea if I heard correctly or not.. I have on my credit report, medical bills that were sent to collection that I recently paid off and I heard somewhere that they can not factor in medical bill accounts when they are putting together your FICO score..

Has anyone every heard of this? IF so do you know where I can read about it....


THANKS
 
J

JennifersHope

New member
I have a question and admittingly, I have no idea if I heard correctly or not.. I have on my credit report, medical bills that were sent to collection that I recently paid off and I heard somewhere that they can not factor in medical bill accounts when they are putting together your FICO score..

Has anyone every heard of this? IF so do you know where I can read about it....


THANKS
 
J

JennifersHope

New member
I have a question and admittingly, I have no idea if I heard correctly or not.. I have on my credit report, medical bills that were sent to collection that I recently paid off and I heard somewhere that they can not factor in medical bill accounts when they are putting together your FICO score..

Has anyone every heard of this? IF so do you know where I can read about it....


THANKS
 
N

NoExcuses

New member
hate to say it, but i think they can put any bills, medical or not.... <img src="i/expressions/face-icon-small-sad.gif" border="0"> <img src="i/expressions/face-icon-small-sad.gif" border="0"> <img src="i/expressions/face-icon-small-sad.gif" border="0"> i hope i'm wrong!
 
N

NoExcuses

New member
hate to say it, but i think they can put any bills, medical or not.... <img src="i/expressions/face-icon-small-sad.gif" border="0"> <img src="i/expressions/face-icon-small-sad.gif" border="0"> <img src="i/expressions/face-icon-small-sad.gif" border="0"> i hope i'm wrong!
 
N

NoExcuses

New member
hate to say it, but i think they can put any bills, medical or not.... <img src="i/expressions/face-icon-small-sad.gif" border="0"> <img src="i/expressions/face-icon-small-sad.gif" border="0"> <img src="i/expressions/face-icon-small-sad.gif" border="0"> i hope i'm wrong!
 
J

JazzysMom

New member
I cant go by now adays, but when I worked at our local hospital they could. If it went to collection anything is possible. Sorry Sweety


P.S. I just remembered that especially if you set up a payment plan. That is a contract and if you become delinquent on that they got ya!
 
J

JazzysMom

New member
I cant go by now adays, but when I worked at our local hospital they could. If it went to collection anything is possible. Sorry Sweety


P.S. I just remembered that especially if you set up a payment plan. That is a contract and if you become delinquent on that they got ya!
 
J

JazzysMom

New member
I cant go by now adays, but when I worked at our local hospital they could. If it went to collection anything is possible. Sorry Sweety


P.S. I just remembered that especially if you set up a payment plan. That is a contract and if you become delinquent on that they got ya!
 
L

Landy

New member
Make sure your credit report does show that you eventually paid the bills that were sent to collections. That will help some.
 
L

Landy

New member
Make sure your credit report does show that you eventually paid the bills that were sent to collections. That will help some.
 
L

Landy

New member
Make sure your credit report does show that you eventually paid the bills that were sent to collections. That will help some.
 
J

JennifersHope

New member
Thanks Guys

Linda, how long should I give it to make sure they are going clear it, some of them I paid well over a month ago and they are still on my report as unpaid... ANy Ideas?

Thanks so much
 
J

JennifersHope

New member
Thanks Guys

Linda, how long should I give it to make sure they are going clear it, some of them I paid well over a month ago and they are still on my report as unpaid... ANy Ideas?

Thanks so much
 
J

JennifersHope

New member
Thanks Guys

Linda, how long should I give it to make sure they are going clear it, some of them I paid well over a month ago and they are still on my report as unpaid... ANy Ideas?

Thanks so much
 
A

AnD

New member
I'd try contacting the credit report agencies and asking them how you should proceed in getting your record up to date/corrected <img src="i/expressions/face-icon-small-wink.gif" border="0"> .
 
A

AnD

New member
I'd try contacting the credit report agencies and asking them how you should proceed in getting your record up to date/corrected <img src="i/expressions/face-icon-small-wink.gif" border="0"> .
 
A

AnD

New member
I'd try contacting the credit report agencies and asking them how you should proceed in getting your record up to date/corrected <img src="i/expressions/face-icon-small-wink.gif" border="0"> .
 
J

julie

New member
Do two things auntie,
#1. Contact the hospital via letter regarding your concerns and

#2. Contact the 3 credit bureau's as AnD suggested.
Only approach it this way. CB's have 30 days from the date they recieve an inqury from your to investigate and resolve the issue. If they can't adequately reseove it within that 30 day period, then they are forced to remove any negative"reports" on your report. So what you do (and I've personally done this) is inundate them with CERTIFIED RETURN RECIEPT inquiries/disputes on your credit account, remembering to send them to all 3 bureaus. It is a little costly, I remember spending about $100 overall with the mail and return reciepts, but it was wiped off my credit.

The idea is that you give them so many things to work on, that they generally don't have time to process it within 30 days. It doesn't walways work, but it's worth a try.
 
J

julie

New member
Do two things auntie,
#1. Contact the hospital via letter regarding your concerns and

#2. Contact the 3 credit bureau's as AnD suggested.
Only approach it this way. CB's have 30 days from the date they recieve an inqury from your to investigate and resolve the issue. If they can't adequately reseove it within that 30 day period, then they are forced to remove any negative"reports" on your report. So what you do (and I've personally done this) is inundate them with CERTIFIED RETURN RECIEPT inquiries/disputes on your credit account, remembering to send them to all 3 bureaus. It is a little costly, I remember spending about $100 overall with the mail and return reciepts, but it was wiped off my credit.

The idea is that you give them so many things to work on, that they generally don't have time to process it within 30 days. It doesn't walways work, but it's worth a try.
 
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