help w collections posting on CR

[goal701]

heres my story.

 

-i went for a med checkup in 6/07. i had insurance at the time and paid co-pay.

-i left for school on 8/07.

-sometime between 8/07 and 2/08, the doctors office wrote a letter saying that my insurance wouldnt pay and therefore i owed $.

-in 3/08 i found out about this and tried to do some research on it, but couldnt get far

-in 4/08 i just paid the balance.

-in 5/08 (now), i just saw that there was a collections posting on my credit report for this amount.

-i immediately called the doctors office, who told me that they sent it to collections in 2/08 (i didnt know). yet they happily took my money in 4/08 without telling me that there was a collections pending. now they are saying that they will tell the collections company that it is paid but that they cant do anything about it being on my credit report.

-i have record of payment in mid april (Credit card)

-i have tried calling the collections agency but no one ever picks up

-i was at school all year so i didnt receive any of these letters they supposedly sent.

 

what are my options? i desperately need this off of my credit report. i would prob even pay the amount twice - once again to the collections agency to get this off.

 

please help

[Why Chat]

heres my story.

 

-i went for a med checkup in 6/07. i had insurance at the time and paid co-pay.

-i left for school on 8/07.

-sometime between 8/07 and 2/08, the doctors office wrote a letter saying that my insurance wouldnt pay and therefore i owed $.

-in 3/08 i found out about this and tried to do some research on it, but couldnt get far

-in 4/08 i just paid the balance.

-in 5/08 (now), i just saw that there was a collections posting on my credit report for this amount.

-i immediately called the doctors office, who told me that they sent it to collections in 2/08 (i didnt know). yet they happily took my money in 4/08 without telling me that there was a collections pending. now they are saying that they will tell the collections company that it is paid but that they cant do anything about it being on my credit report.

-i have record of payment in mid april (Credit card)

-i have tried calling the collections agency but no one ever picks up

-i was at school all year so i didnt receive any of these letters they supposedly sent.

 

what are my options? i desperately need this off of my credit report. i would prob even pay the amount twice - once again to the collections agency to get this off.

 

please help

Opt out,You can make one phone call to 1-888-567-8688 [1-888-5-OPTOUT] to opt-out

Send any CRA where this is reporting this:

http://whychat.5u.com/hipaadisp.html

[goal701]

sorry i am new to this. what does opting out achieve? from the research ive done, it means that my health information cannot be made public - is this right?

 

will opting out and sending the letter lead to the collection agency dropping my information from the credit report?

 

what should the response be from the credit report agency after receiving my letter?