NineCount

Well, Let me clarify something.... I didn't mean to say I paid my deductible TO my insurance company, rather I've paid my deductible amount. Which was $300. I had a few small bills that I paid eventually getting to that $300 deductible amount... I did not pay the insurance company directly. Hope that clears that up. Thanks for the advice, I'll get my detailed billing and contact my HR dept and Insurance company to see why the hospital thinks I owe them $700.

I don't understand. I was in the hospital for a few days earlier this year and the bill was around $30,000.... Insurance payed everything except about $700, the hospital says I'm responsible for the balance. This was after I had already paid my deductible amount to my insurance company. Why do I owe? I strictly remember not signing any form saying I'd be responsible for anything unpaid from the insurance company. They are threatening to turn it over to a CA now, and it really bugs me that I'm expected to pay that amount... What can I do? Do I really owe it? Any advice would be appreciated. Thanks! -Ninecount

thanks for the reply, that makes me feel a lot better. I hope it comes off easily.....

Here's the deal... The ambulance company has sent my account to a CA. The CA just reported this past weekend on my CR's. The good news is... today I checked my 'claim' with my Insurance company and they paid the Ambulance company (the OC) on July 9th. (well the report said it was 'processed', but does have a check number to reference and shows a ZERO balance) Can someone chime in and tell me the best route to take getting this derogatory item removed from my CR's? I just don't know if 'Ambulance' related bills are covered under HIPPA, so I'm unsure if I can use WHYCHAT's initial contact letter to the OC. The cool thing is it's paid, so I'm hoping it won't be to bad getting it removed. Thanks for any advice. -NineCount

0 yesterday. 11 today dating back to 10/06 So you're telling me these will continue to b*? That's just stupid. Or did I miss something in the 1700 replies of this thread?

Thanks for the reply. I checked and there are no Carmax locations in St. Louis.

I have a 2005 dodge durango and all the sites I've been to say it is worth $14k. (trade-in value) Is this realistic to stick to my guns and expect a dealer to give me that value? They have been all over the map. $9-$12k. I'm getting frustrated and would like your opinions. I'd like to avoid selling it myself, but if a dealer can't give me a fair trade-in value.... then I will list it locally. Thanks, -NineCount

Have you checked with Pentagon Federal Credit Union? I use them, and their website says a refi could be 4.99% depending on amount/term by applying online. Your scores sound good, so maybe you should check them out. www.penfed.org -NineCount

Check Digital Federal Credit Union, they will go up to 100% www.dcu.org I don't have any accounts with them, but I've always kept them in the back of my mind when I go to get a HELOC. Maybe someone who has them can chime in? -NineCount

Check Digital Federal Credit Union, they will go up to 100% www.dcu.org

I'll recommend USBank. I have both BofA and USBank checking. Both have similar Online Bill Pay. I get more credit from BofA, but USBank has a branch office in my office building so that makes it easy to deal with them.

I use USBank Bill Pay and I love that service. I think it works great, I schedule payments in advance. I can also use the 'ebill' feature when the vendor is available from their list of participants (like my credit card companies Citi, Bofa) It's a great service, you should definitely try it before looking at other institutions. -Ninecount

Thanks for all the feedback. Well, you guys have completely scared me away from this guy.

I received a GFE from a broker/lender and they want me to pay $499 as a deposit. It's applied to closing costs, when we close. this is non-refundable, so I'm worried if they come to closing with a different rate/term because they couldn't sell the loan as they quoted in the GFE, then I'm out $499 if I want to take my business elsewhere. Is this common practice? -NineCount

the deposit is money they want upfront for the paper work. It's refundable and added to the loan at closing. Or they keep it if I don't close the loan with them. That part bothers me, because I'm afraid they would jack the fees/rates at the last minute and then I'm out a few hundred dollars if I deceide to go with someone else. Is that normal? I don't remember that when I closed on my house 2 years ago.... -NineCount