Jump to content

FICOhatesme

Members
  • Content Count

    60
  • Joined

  • Last visited

  1. Update: I sent the letter, and finally got a response, but It looks like a generic one. It just says the account was paid in full and that i should see it on my credit report if it indeed had been reported. . Delivery status is still not updated. PAS seems shady. Be careful if you have to deal with them! I got an email from Experian saying my credit score has changed. I can't look.
  2. If they are reporting, it is pointless to send them a medical DV unless and until you need to. If the accounts are not deleted you can THEN send the correct medical DV ( depending on how it is reporting) and a follow up dispute to the CRA. If they are NOT reporting, then yes, send them the medical DV: http://whychat.5u.com/ltrcavalhipaa.html At this piont, they are not reporting. I'llkeep everyone updated. Thanks all!
  3. Last question. Documents sent to me says I have 30 days to dispute. Should I go ahead and send them a letter or not bother since I paid?
  4. Because that is what they do-- that way they can get even MORE $$ then what they are entitled to. They sell their past due accounts in batches-- no matter if any of them are paying as agreed or not. Ok, so it was sold as a bundle. It strikes me as an injustice that someone's credit can be ruined even though they are not late. I know of someone who had a similar problem. She had to have a lawyer write letters to the hospital billing and the CA. I feel like if they are not challenged, they'll continue to do this.
  5. Does anyone know why they'd turn me over to a CA for the very last payment after paying as agreed?
  6. Just a warning, if anyone else has to deal with DocBillPay beware. They are totally unprofessional. They have a website that is usually don't so you can't access your records. I called and asked they send me another copy of the payment agreement, and they won't. Rep on phone acknowledges that I've been paying on time, but the company won't re-send paperwork.
  7. It was weird...They reported me on the last payment. I was supposed to make 6 payments, and the last one is when they reported me before the due date came. I haven't moved and have no proof of moving. Do i still delete addresses? No, the instructions clearly say that you do not have to delete addresses if you haven't moved since the date of service I'm uninsured. Date of service was in May, and I have been paying as agreed since August. What if I just sue them? Exactly WHAT are you going to sue them FOR?? You have been paying a CA for an account that was turned over to them by the OC, they can continue to collect and report whatever they want to. Just follow the directions. For turning me over to a CA when I wasn't late and was paying as agreed. I paid CA one time. If I could go back, I wouldn't have panicked and paid the CA. Thanks. I'm gonna read all this stuff.
  8. My Fico dropped from 724 to 688, my steepest drop yet. I think it's already on my credit report. T/U via discover says I have a serious delinquency.
  9. It was weird...They reported me on the last payment. I was supposed to make 6 payments, and the last one is when they reported me before the due date came. I haven't moved and have no proof of moving. Do i still delete addresses? I'm uninsured. Date of service was in May, and I have been paying as agreed since August. I ordered my free credit reports last month, and I don't see the Collections. What if I just sue them?
  10. Did I make a mistake by paying the collections company? I freaked out and paid them on the spot.
  11. Can someone explain to me why I'm being reported and I'm not late yet. :/ Payments aren't due until the 15th anyway. I paid the sum. At this point, will the collection be on my credit report?
  12. I'm freaking out. I have a medical bill i have been paying on for several months. I called, and the company agreed to put me on a payment plan several months ago. I am not late. I have been making payments on time.In fact, I am ahead. Why is my bill being sent to collections? Will this ruin my score? I got this letter today. Funny, I tried to call earlier to pay off the remaining balance, but the office was closed. HALP!
  13. Nav waived what was left of my student loans. So theyre gone, and now my credit score is gonna freefall. ; (

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines