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I had finally reached a point where everything was off my credit. We had a miscarriage in July 2020 and things kind of went to the wayside a bit. It is now June and I am receiving medical bills some already on credit from those services. Instead of coming here first I paid the hospital bill it was only 200.00, but there is another 60 bill on the credit they can't find. Did i screw myself by paying the bill? Should I just make arrangements with all the other medical bills before they hit the credit or just wait and see then do why chat method?


Thank You guys


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Sorry about your loss. 


What do you mean by " some already on credit "?? Are you saying some are already reporting??


Follow the guides;


You do NOT have to get "old" addresses deleted if you haven't moved since the dates of your medical services UNLESS you are seeing addresses you haven't lived at for over 4 years.


Check all your EOMBs ( explanation of medical benefits) from your insurance Co. try to match them with any bills or accounts on your reports. Look for what was billed, what was allowed, what was paid and what was left as "patient responsibility"


Send each CRA ( Credit reporting agency) this;


list ALL medical accounts as they appear on the report you are disputing.

This is the 1st step in the HIPAA program;

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


DO NOT PAY ANYONE ANYTHING unless and until you have verified that the amounts are legitimate and that the reporting CA is in a CURRENT business relationship with the OC ( original creditor health care provider)


Once you have completed the above steps, come back to THIS POST for additional help.

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