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Tango60

ER visit and co-pay in collections

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April 2018 I had to visit the ER and for some reason never was asked for a co-pay at the time of the visit. Completely forgot about the visit and pretty much ignored a couple of pieces of mail from the hospital.

Fast forward, February 2019 and I get a call from Russel, Overton and Doer..A collection agency for the hospital. I did not admit owning the debt and they offered enough detail for me to realize it was a valid debt.

They have already reported me to Transunion, it hit last week. I don't see any activity on Experian or Equifax.

Today I called the hospital and simply paid the $150.00..

Have I screwed the pooch on getting this removed from my credit report using any parts of the HIPPA method?

 

Sent from my SM-G965U using Tapatalk

 

 

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Hard to tell. Follow the guide ( you obviously don't have to delete old addresses)

https://whychat.me/GUIDEBOOK.html

 

If it is ONLY reporting to TU and if the account is still there OR if it has been changed to a "paid" collection, then send TU the initial dispute letter;

https://whychat.me/hipaadisp.html  from the HIPAA program

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

 

If it has been removed in it's entirety and there are no other issues, then you are OK

 

If it pops up on other reports , then you will have to send the initial dispute letter to those CRAs

 

Opting out will help prevent JDBs ( junk debt buyers) from resurrecting this account to poison your reports in future years.

 

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Hard to tell. Follow the guide ( you obviously don't have to delete old addresses)
https://whychat.me/GUIDEBOOK.html
 
If it is ONLY reporting to TU and if the account is still there OR if it has been changed to a "paid" collection, then send TU the initial dispute letter;
https://whychat.me/hipaadisp.html  from the HIPAA program
https://whychat.me/GUIDE HIPAA PROGRAM.html
 
If it has been removed in it's entirety and there are no other issues, then you are OK
 
If it pops up on other reports , then you will have to send the initial dispute letter to those CRAs
 
Opting out will help prevent JDBs ( junk debt buyers) from resurrecting this account to poison your reports in future years.
 
Thank you so much, I will do as you advised and see where it goes. I paid the collection immediately to the OC, as it stands now it appears to have dropped my score on TU 4 points without showing as paid yet, hopefully if I can't get it removed it will have less effect once it shows paid.

Sent from my SM-G965U using Tapatalk

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Unfortunately,if it is changed to a "paid" collection it will LOWER your score, not raise it because while it would still be showing as a derogatory entry it would be updated to the more recent date.

 

This is why we have instructed you to follow the guides to try to get it totally deleted. If it has become a "paid" collection and the initial dispute letter doesn't work to get it deleted then you would have to go to the next step in the HIPAA letter program.

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