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Just found Medical Collections on CR. Please help

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


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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?

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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:




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


Follow the HIPAA letter program




Your initial dispute letter to the CRAs


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



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)

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  • 4 weeks later...

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