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Advice on medical collection and removal from credit statement

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I have a medical collection of around $700 from Dec 2014 on my credit statements which I did not know of. At that time, I was a coinsurer on my ex-husband's medical insurance and his legal dependent with no income of my own. He did not pay the copayment for my hospital admission and it went into collections. While applying for a housing loan recently, I came to know about this collection. At this point in time it was only showing on my Equifax credit statement. I disputed the collection online on Equifax site and received an email that Transworld is the collection agency. I called Transworld and asked them about the collection and was told that it was the copayment of my hospital admission. I told them that I did get admitted but I was on my husbands insurance and his legal dependent and he should be paying for this expense. To which I was told that since the bill is in my name I owe that expense.  Is that true? After this conversation the collection agency reported it to all credit bureaus and my score drastically went down on all three.

I called the OC and asked to pay in full for a recall. They told me that they will inform it as paid but it will still be there on my credit report. What are my options? I want it to go off my credit report to improve my credit score.

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What was the date of medical service??

 

Follow the guides;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

Send each CRA where this ( or ANY medical) account is reporting.

https://whychat.me/hipaadisp.html

 

Come back to this post with the results of your above steps. Depending on the results and the date of medical service we will help you get this entirely off your reports.

 

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14 hours ago, Why Chat said:

What was the date of medical service??

 

Follow the guides;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

Send each CRA where this ( or ANY medical) account is reporting.

https://whychat.me/hipaadisp.html

 

Come back to this post with the results of your above steps. Depending on the results and the date of medical service we will help you get this entirely off your reports.

 

The date of medical service was December 03, 2014

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It is almost CERTAIN that the account being reported is from a JDB ( junk debt buyer) and not a valid account assigned to them from the OC

Paying the CA or the OC at this time is a waste of $$. Follow the guides to get it off your reports.

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7 hours ago, Why Chat said:

It is almost CERTAIN that the account being reported is from a JDB ( junk debt buyer) and not a valid account assigned to them from the OC

Paying the CA or the OC at this time is a waste of $$. Follow the guides to get it off your reports.

When I spoke to the CA, I did ask the question that if they had bought the debt from the OC to which they said "No". I am starting the process by writing CRA to delete old addresses from my reports.

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On ‎2‎/‎11‎/‎2019 at 6:46 PM, Why Chat said:

What was the date of medical service??

 

Follow the guides;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

Send each CRA where this ( or ANY medical) account is reporting.

https://whychat.me/hipaadisp.html

 

Come back to this post with the results of your above steps. Depending on the results and the date of medical service we will help you get this entirely off your reports.

 

Do I write to credit bureaus on these address to delete my old addresses from the report -

Experian Dispute Department PO Box 9701 Allen, Tx 75013
Transunion PO Box 2000 Chester,Pa.19022,
Equifax PO Box 740256 Atlanta, Ga. 30374
 
Thanks again for your help.

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