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maxsun2204

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  1. thanks, can i dispute n update address same time?
  2. hi ive a quick question so i havent used credit cards om years. so the address the crs are reporting are ones old by 2 years now i need to send dispute letters to cras will it matter if i send with my address they dont have on file?? ive never done this before and i dont know how this works? appreciate the help
  3. OK, you were in the ER you said Get the EOMB for THAT payment. got the eomb document. Meanwhile i spoke to hospital and insurance people. both say to call the collection and give them the insurance details to which the hospital was supposed to send the bill in first place as the collection agent is contracted to the hospital. any advice ? DO NOT ever take advice about credit repair from hospital or insurance people. They are CLUELESS about credit repair. Are you saying that they have refused to send you the EOMB for that date of service?? Calling the hospital or the CA is NO USE. Do each of your individual credit reports have an ID #?? It is NOT enough to have a "membership" with each CRA, you must have actual reports directly from each of them with an individual ID # otherwise you will be trapped in the CRA automated on line computer driven dispute system. Where are you now with the HIPAA letter program?? OK with all due respect , I don't think u got the complete picture so let me tell clearly This is abt a medical bill that the hospital didn't bill the correct insurance and then forwarded to coll agent they are contracted to. Now the CA is sending me mails in this regards but is not on my credit reports.. yet. Now the ideal solution wud b the hospital correct the insurance info n bill the insurance n get paid but hospital says they can't accessc the file anymore as it is with CA. N both hospital n insurance that's y tell me to call CA to update insurance info. Now I have got the eomb for a separate bill for the same visit the insurance paid. Insurance is willing to pay the other bill for same visit as long as they get the bill.. So now advise please thanks
  4. OK, you were in the ER you said Get the EOMB for THAT payment. got the eomb document. Meanwhile i spoke to hospital and insurance people. both say to call the collection and give them the insurance details to which the hospital was supposed to send the bill in first place as the collection agent is contracted to the hospital. any advice ?
  5. I have individual memberships with the 3 agencies not 3 party yes I can dispute directly Eomb, insurance has not paid the claim yet... Remember the issue is they have not yet applied for the claim
  6. I have monthly credit subscription with all 3. Only eq has the address on it from a diff CA. Eomb means the document that contains all details abt coverages etc details right yes I have a soft copy... Eomb for payment to Dr?? Wats that sorry dunno what it is Thanks
  7. I've two bills for that date for the same er visit one from physician n one from hospital. Physician got paid by ins but hospital didn't update n wudnt listen
  8. No contact from CA yet. And no update to cr. But I wonder y wait till they update cr. 2. I moved. Now in ia. Opted out last year . do I need to do again? No bill n no reporting so what letter? I just need them to update insurance info n get paid There is an issue with some point part. The insurance said the claim will b valid till 15 months. So till end of this year. Wud that time is sufficient? I still am wondering if I can just get the hospital open my case n bill insurance... Shud I write a letter to some1 in the hospital??? Didn't get the last part. U mean bill insurance myself instead of hospital? Thanks a lot for ur patience n effort Thanks 3.
  9. I just called the hospital billing dept, they saidvagain the hospital doesn't have the file anymore. I told them if they've saying they sold my acc to a coll agency means they may b breaking state laws she then said OK n out me n hold n the next person to speak was central financial...wtf... Do I have to talk to them to update my insurance details??? Plzadvice needed
  10. I called them and they keep saying I've to talk to collections and that they can't open the file as its sent to collections. They keep sayingcentral financial is an in house collection agency but I think they lying. H still think I shud call and demand change? Wat the disadvantage of calling collection n ask them to update the insurance info?
  11. Just talked to insurance its valid for 15 months n service is in 09/14.. Wat to do next.... Whychat??? This is not yet in crs
  12. I want to know how to have insurance pay the hospital n not deal with CA?
  13. I went to st Louis univ hospital in sep last year for emergency. Later I got bills saying not paid. I told them they are not billing insurance correctly. Long story short one of them got paid but the other says tgeyvwont change insurance info as the acc is transferred to central financial coll an in house coll agency... What should I do... Shud I speak to the CFC guys?
  14. I've enhanced too for uverse... So I can py art and get enhanced off cr with this method? Mine is under Sol...
  15. maxsun2204

    enhanced

    Hi I wanted to get advise on dealing with these guys I had a uverse that went into coll 2 years ago and now enhanced is in all my CR's. I'm due 700 n I think partly coz of the instrument. I was stuck overseas n cudnt get a chance to return it. Now I can pay the total amt to att but wanted to proceed in the correct way so I don't end up with a paid coll on cr. Any help will be appreciated Thnx

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