Medical bill went to CA, not yet on report
Posted 19 August 2012 - 11:00 PM
We're just wanting to get this paid in the most timely manner possible, without it showing up on her (otherwise immaculate) credit report. We have not yet pulled her credit report to confirm it has (or has not) been reported. Hospital says it has not.
Is this something that should be handled through he HIPPAA process as well? Even if it has not actually made it to the credit report?
Posted 31 August 2012 - 10:32 AM
Follow HIPPAA procedure on this one?
I have the same question. What do I send to the CA? A DV letter?
Posted 31 August 2012 - 10:45 AM
read what rslifkin had to say about NCO - it's good stuff.
I also dealt with NCO and beat them. I read a lot of posts about where people DV them and they disappear.
If the account is not showing up on your CR as of yet, just leave it be. If and when NCO decides to list it, you can deal with it. You'll have a good chance of the folding you with a simple DV letter, and they're silly enough to violate.
Posted 04 September 2012 - 04:37 PM
Send NCO this:
Pull your reports
To order, visit annualcreditreport.com,or call 1-877-322-8228
Get your EOMBs from your insurance to see if, in fact you have any left over bill.
If you weren't billed by the hospital then it is more than likely that there IS NO "left over" bill to pay and NCO received the account because of either a delay in your insurance paying, or because you were ILLEGALLY billed the difference between the original bill and the "discounted" insurance allowance.
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