What are my chances.....

[akamrwong]

Hello everyone at creditboards (my first post)!

 

Do I stand a good chance of disputing a medical collections on my credit report

 

Details - received a letter dated May 24th, 2011 from CA saying I owed $40 due to unpaid medical bill

- I paid with debit card on June 25th, 2011 the entire balance (i didn't read the letter till that day)

 

The letter states a 30 day window to validate debt

The letter also gives a vague grace period to settle debt with original creditor ("we will postpone recovery efforts to allow you sufficIent time to remit payment in full"

 

Background info - I am in the process of buying my first home. I assumed I had great credit because I had never missed a CC payment nor ran high balances. Much to my suprise and anguish, my relative credit score was a 672 due to this negative item. It still shows on report as unpaid.

 

Keep fighting the good fight!

 

akamrwong

[Why Chat]

Hello everyone at creditboards (my first post)!

 

Do I stand a good chance of disputing a medical collections on my credit report

 

Details - received a letter dated May 24th, 2011 from CA saying I owed $40 due to unpaid medical bill

- I paid with debit card on June 25th, 2011 the entire balance (i didn't read the letter till that day)

 

The letter states a 30 day window to validate debt

The letter also gives a vague grace period to settle debt with original creditor ("we will postpone recovery efforts to allow you sufficIent time to remit payment in full"

 

Background info - I am in the process of buying my first home. I assumed I had great credit because I had never missed a CC payment nor ran high balances. Much to my suprise and anguish, my relative credit score was a 672 due to this negative item. It still shows on report as unpaid.

 

Keep fighting the good fight!

 

akamrwong

You paid the CA??

 

Unfortunate!!

 

Check your credit reports to see if it is now reporting as a "paid" collection.To order, visit annualcreditreport.com,or call 1-877-322-8228

 

Opt out ( you should have done this BEFORE looking for your house as you risk having your reports poisoned with all sorts of false claims)

http://www.whychat.5u.com/OPTOUTINST.HTML

Send this to each CRA ( Credit reporting Agency) where this account is reporting.

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

 

This MIGHT get you a quick deletion.

 

If it does NOT, then send the REPORTING CA ( who may not even be the SAME CA you paid) this:

http://www.whychat.5u.com/ltrcavalhipaa.html

If it is still reporting as unpaid

or this:

http://www.whychat.5u.com/ltrcavalhipaa.html#PAID

If it is now reporting as "paid"

 

In either case, send each CRA who has NOT deleted ( from the initial dispute letter) this:

http://www.whychat.5u.com/ltrcavalhipaa.html#DISPUTE

[akamrwong]

Thanks Whychat,

 

Just needed a quick rundown of the options/routes I should look into which you have provided quickly and painlessly (there is quite a bit to sift through on this site without an initial, friendly guide in the right direction). I've checked all three from the CRA's and for some reason the only one not reporting the negative event is Transunion....the other two report it as unpaid. I would have taken the wise approach had I understood the how things work with CAs, CRAs, and credit reports . I figured paying the entire balance quickly (31 days after the date of the of the CA's letter), which was a pittance (40 bucks!) would solve the problem. Live an learn, thanks again

 

akamrwong