Jump to content

Just found Medical Collections on CR. Please help


The last post in this topic was posted 4008 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

I just recently checked my credit report and found a collection from 2011. It is for $88 to a dentist. It was a dentist my children used and I thought the insurance took care of the balance. I remember calling and questioning and they said to wait and see if insurance would cover. The dentist has since retired so I cannot contact him about paying this. My question is what would be the best way to proceed to get this off my CR. It is the only negative thing I have and it is really dinging my score. Should I try to do a pay for delete? I tried to call the number listed for the CA on my CR and it takes me to a recording. Would it be better to try to dispute this even though I'm pretty sure the debt is mine? Can someone please advise me on the best way to proceed?

Link to comment
Share on other sites


Because it is still fairly new, and because your dentist has retired, you are going to have to try to get this deleted by following these steps:

 

http://www.whychat.5u.com/GUIDEBOOK.html

 

If you have not moved since 2011, you need not dispute your old addresses.

 

Follow the HIPAA letter program

 

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

Your initial dispute letter to the CRAs

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

may get you a deletion, if not you are going to have to send the reporting CA the medical DV

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

 

This may seem like a lot of work, however, if you pay the reporting CA you will wind up with a "paid" collection on your reports which is WORSE for your scores than an unpaid one as it is still derogatory-- but 2 years newer.

 

The original bill may or may not be valid. You should try getting an EOMB from your insurance for that dental visit and see what was paid and what ACTUALLY was left over ( if anything)

Link to comment
Share on other sites

  • 4 weeks later...

The last post in this topic was posted 4008 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share




  • Member Statistics

    • Total Members
      187987
    • Most Online
      2046

    Newest Member
    Edutainerre1791
    Joined
×
×
  • Create New...

Important Information

Guidelines