I have some medical bills on my credit report, about $1500 total. Not so bad. Now, the one bill for $400 I do not believe is my debt. I wish I had found this website earlier, but unfortunatly, I disputed it incorrectly as "already paid". I got a letter from the company to pay the debt, but I wrote a letter back and explained that it was not my debt. I don't know exactly how to procede with getting this removed from my credit report now... I pulled all 3 credit reports a couple of weeks ago & this one only appears on 2 of them (equifax & experian). This is a CA btw.

My second question is regarding the other open medical bills I have. They are with a CA, they're all the same CA & they're all from the same trip to the hospital. (You know how hospitals bill...). I want to get these all paid off, but I don't have the money to pay $1100 at the moment. So, I was planning on paying them off as I had extra money, starting iwth the smaller accounts first. 4/6 of them are for 100-150 a piece, other two are for larger amounts. Should I send a letter to the company getting them to agree to remove the items as I pay them off before sending any money?

Thanks for your help.

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Send any CRA where any MEDICAL account, valid or not is reporting THIS: ( you can list the accounts, but make sure they MATCH the CRA you are sending the dispute to)

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

IF they are completely verified by the reporting CA with correct account information, you can then pay them to the OC with the HIPAA letter insert "a"
http://whychat.5u.com/hipltr.html

If you check the link within the insert "a" paragraph you can find the usual and ordinary amount that you should pay.

If you do NOT get a correct and valid "validation" from the reporting CA on ANY medical account that is over 4 years old and NOT from a hospital or ambulance/rescue service you can send the reporting CA THIS:

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