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Medical Data System on Credit Report

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Hi, 

Hope everyone is having a good night/morning.

I'm new to this forum.

I was looking over my credit report and noticed that I have a Medical Data collection posted this May 2020 from an accident I had last October 2019.

Would you recommend for me to pay the debt in full and request a pay for delete letter? Information seems accurate. 

I am in the process of applying for a mortgage and would hate for this to show. 

Its so upsetting!

 

Your help would be greatly appreciated.

 

 

Edited by shinelikewinter

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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 this;

https://whychat.me/hipaadisp.html

 

Get your EOMB ( explanation of medical benefits) from your insurance Co for the medical service referred to in this collection. Look for what was billed, what was allowed, what was paid and what (if anything) was left as patient responsibility.

 

Sometimes ( particularly when someone is mortgage shopping) JDBs ( junk debt buyers) will poison reports with invalid collection accounts. Paying them will just make things worse.

Once you have determined through the HIPAA letter program that the reporting CA has a VALID claim, and is in a CURRENT business relationship with the health care provider come back to this post for a method of paying the OC without damaging your report with a "paid" collection.

 

Come back to THIS post with the results of your following the above instructions.

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What is the amount of the bill? Do you have an interest in a personal injury suit arising from the accident? If so, the medical providers and insurance companies likely have a statutory lien against your interest in which case it may make sense to settle the debt with the original creditor rather than them coming for the full amount from your recovery.  PFD could be part of it to address the credit reporting.

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