Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.

Sign in to follow this  

Advise on paying son's medical or letting it go

Recommended Posts

My son had an emergency room visit less than 2 weeks after he turned 18 (unemployed high school student) so billing went directly to him. I paid a bill directly to the local hospital, but there was a second one to an agency that supplies emergency room staff that I missed. It is for $1200 and was reported to my son's credit report November 2017. My son just turned 21 and is looking to get mortgage pre-approval. Should I pay off the medical on his report or let it go? His credit score is 753. (All in all, it was $3000 for the doctor to give a numbing shot and pull a safety pin straight out. We should have liquored him up and done it at home!)

Share this post

Link to post
Share on other sites

Welcome to Creditboards!

We hope that you find what you're looking for here.

Some helpful tips:

  • Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.
  • If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!
  • If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS.
  • Off -topic posts should go in the General Forum.


Again, welcome to the CreditBoards family!

CB Admin: LKH, Pam, radi8, :angel:breeze:angel: & MarvBear


Share this post

Link to post
Share on other sites

Was your son covered under any insurance at the time of service?? If so, get the EOMB (explanation of medical benefits) from the insurance Co. (They are required to keep records for 5 years). It is possible that the account was actually paid by the insurance, or that the ER staff did not have a copy of the insurance.


It is NOT a good idea to try to pay the CA (collection agency) reporting as it will not help his score, and might even hurt it as a "paid" collection on his report will still be derogatory, but because it is newer will DECREASE his score.


Follow the guides; (this will also help him in his mortgage quest as it will help prevent poisoning of his reports by JDBs=junk debt buyers)


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

After opting out (he does not need to delete old addresses) he should send this to each CRA where the account is reporting;


Share this post

Link to post
Share on other sites

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.

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.

Sign in to follow this  

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information