Jump to content

Need advice on this medical collection


The last post in this topic was posted 3493 days ago. 

 

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

Recommended Posts

I have a medical collection account on my credit reports to the tune of $330. It is out of the statute of limitations. PFD letters go unanswered. So I began emailing the owner of the collection company back in February. Flash forward to three weeks ago. I get an invitation to connect with the owner of the collection company of LinkedIn. I have not accepted the invitation yet.

 

Its not quite 5 years old. My ultimate goal is get a mortgage in a year. This is one of two collection accounts that I have not been able to get rid of.

 

I'm wondering if I should start over with him on the PFD. Would it be much of a score boost to get this off my report now? Or should I just let it ride and pay it if it comes up during the underwriting process when I finally go for a mortgage?

 

I have some high utilizations that will be paid all the way down next week, and I would still have money to PFD this in full.

 

My current scores if it matters:

 

EQ- My Fico- 633

TU- My Fico- 620

EX- FAKO- 610

 

Now I did follow the whychat HIPPA method up through getting validation (copy of medical bill) through the collection agency. Then I moved. And now I cant find that bill. Which obviously makes it tough to proceed with paying the bill and sending a copy of it as well as the insert for paying the OC.

Link to comment
Share on other sites


I don't know what part of the HIPAA letter program you used, however, before you try a USELESS PFD start over with the HIPAA letter program:

 

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

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

 

If the account is over 5 years old you should be able to get it deleted with the initial dispute letters

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

 

If you pay the CA you will SINK your credit scores as your reports will have an UPDATED "paid" collection, which will still be derogatory, but 5 years more recent.

Link to comment
Share on other sites

The last post in this topic was posted 3493 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