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Advise on paying son's medical or letting it go

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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!)

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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/GUIDEBOOK.html

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;

https://whychat.me/hipaadisp.html

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