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Medical Collection ?


boomer05
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The last post in this topic was posted 6435 days ago. 

 

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I have two medical collections on my credit report--

my tri-merge report lists two separate collections

for the same ER visit that occurred in August 1998.

The first tradeline lists the CA- but also lists the name of

the hospital as the OC grantor. Is this a violation of

FCRA § 605(a)(6)? Should I dispute the entry with the CRAs?

 

The second entry lists a different CA, but does not list the

collection as a medical collection and instead classifies the

account as an installment account.

 

I have been instructed to pay off these accounts before we close on

our new home. I don't mind paying, but I do not want to make my score

go down.

 

TIA

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I have two medical collections on my credit report--

my tri-merge report lists two separate collections

for the same ER visit that occurred in August 1998.

The first tradeline lists the CA- but also lists the name of

the hospital as the OC grantor.  Is this a violation of

FCRA § 605(a)(6)?  Should I dispute the entry with the CRAs?

 

The second entry lists a different CA, but does not list the

collection as a medical collection and instead classifies the

account as an installment account.

 

I have been instructed to pay off these accounts before we close on

our new home.  I don't mind paying, but I do not want to make my score

go down.

 

TIA

 

i'll bump your FCRA question as I'm in the same boat...

 

You should do the 1-2 punch, however, it appears that you're closing on your house? The 1-2 punch may take a while to do, so I don't know if you have the time or not. I wouldn't pay the collection account off before requesting validation and disputing with the CRA, however, not sure of your timeframe.

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I have not disputed either of the collections. I did not

even know about them until I got my tri-merge report last week.

The Bank had a company call and verify that the accounts were mine--

so the pay-off of the accounts was listed in my conditional

approval.

 

 

We will not close on a house until at least mid-March, but I

would feel more comfortable if I had them taken care of just for

peace of mind.

 

How exaclty would I phrase a dispute over the information contained

in the listing of the accounts?

 

Thanks!

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If you want to dispute the account and send DV requests, you can find all the information you need here: http://creditboards.com/forums/index.php?showtopic=14797

 

I don't quite understand what you mean by "I would feel more comfortable if I had them taken care of.." Do you mean you want to pay them to get it out of the way or try to rid of them by requesting validation of the debt?

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