mediacl clinic has 4 accounts liste4d on my credit report as derogatory

Bo!

I truly appreciate your website, you have awesome advice and have done a great job with breaking down what someone should do to correct their credit issues.

The problem I'm having is I just found out this week that a medical clinic I started going to on last year has placed 4 derogatory amts into collection on my report.
I started going to this location b/c it opened up right around the corner from my house, making urgent care more convenient.

I have called them to explain that I have never rec'v a bill from them and am getting no where. They say b/c they show the correct address on file, they refuse to remove it even after I told them I'm not disputing the charge and want to pay these amts. I just want to request they remove these amts.

I told her along with never rec'v a bill, I didn't even get a phone call and they have never stopped me from visits due to non-payment. She ( the office manager) told me that they don't do their own billing, b/c they don't have that type of personnel. They have a company in another state process their billing. I should not be penalize b/c their billing company does not f/u w/ their patients to try and collect a payment the proper way.

These amts. are $6, $8, $34, & 64.

Several ppl have told me to before making the payment ask them to agree to have this removed but it's not working for me.

This appeared on my report in Nov.

I'm stressing b/c it took me 3 years to start rebuilding my credit after a divorce so now I protect my credit by any means necessary. I wish the Fair Credit Act had a law where it has to be certain amt. before they place it on your credit report as a collection b/c this is truly ridiculous!

She told me she was considering removing it until she see where I once made a payment so b/c of this, she feels this is proof I rec'v the other bills. Which I am still denying this could still not be true, simply b/c there are times I don't rec'v mail properly b/c my physical address ends in SW and if you don't put it, sometimes we don't rec'v it. Why, I don't know but it happens.

I'm actually going up to the office today to meet w/the office manager personally b/c I'm sure it's easy for someone to say "no" while on the phone but I'm hopeful it will be harder with someone looking you directly in your face.

I just don't know why someone would hurt someone else's future when they are trying to work w/ their organization and not trying to deny bill.

Can you help me figure this one out????? Thank you!

Bo Majors
to LIVE HUMAN
show details
Jan 26 (2 days ago)
your om the right track
tell them your trying to quailfy for a home loan and these are the only bad marks on your credit. youll pay including all fees if they give you a statement in writing that says paid as agreeed and on time.
- Show quoted text -

----------------------------
Hi Bo!

I truly appreciate your website, you have awesome advice and have done a great job with breaking down what someone should do to correct their credit issues.

The problem I'm having is I just found out this week that a medical clinic I started going to on last year has placed 4 derogatory amts into collection on my report.
I started going to this location b/c it opened up right around the corner from my house, making urgent care more convenient.

I have called them to explain that I have never rec'v a bill from them and am getting no where. They say b/c they show the correct address on file, they refuse to remove it even after I told them I'm not disputing the charge and want to pay these amts. I just want to request they remove these amts.

I told her along with never rec'v a bill, I didn't even get a phone call and they have never stopped me from visits due to non-payment. She ( the office manager) told me that they don't do their own billing, b/c they don't have that type of personnel. They have a company in another state process their billing. I should not be penalize b/c their billing company does not f/u w/ their patients to try and collect a payment the proper way.

These amts. are $6, $8, $34, & 64.

Several ppl have told me to before making the payment ask them to agree to have this removed but it's not working for me.

This appeared on my report in Nov.

I'm stressing b/c it took me 3 years to start rebuilding my credit after a divorce so now I protect my credit by any means necessary. I wish the Fair Credit Act had a law where it has to be certain amt. before they place it on your credit report as a collection b/c this is truly ridiculous!

She told me she was considering removing it until she see where I once made a payment so b/c of this, she feels this is proof I rec'v the other bills. Which I am still denying this could still not be true, simply b/c there are times I don't rec'v mail properly b/c my physical address ends in SW and if you don't put it, sometimes we don't rec'v it. Why, I don't know but it happens.

I'm actually going up to the office today to meet w/the office manager personally b/c I'm sure it's easy for someone to say "no" while on the phone but I'm hopeful it will be harder with someone looking you directly in your face.

I just don't know why someone would hurt someone else's future when they are trying to work w/ their organization and not trying to deny bill.

Can you help me figure this one out????? Thank you!

LIVE HUMAN
to Bo

Actually, I told her that b/c we are in the process of working on prequalifying for a new home this is how her collections acct. was brought to my attention.
The only thing I have not offered was to pay any add'l fees. I'll see how it goes today and let you know.

I just can't believe I'm going through this.
So if after all this nothing changes, would the next step be to contact the credit bureaus? and if your answer is "yes" haven't I already opened a can of worms that may make it easier for them to dispute my argument that I never rec'v these bills?
--------------------------------
From: Bo Majors [mailto:majors@oskie.com]
Sent: Friday, January 26, 2007 8:14 AM
To: LIVE HUMAN
Re: working w/ medical creditors

your om the right track
tell them your trying to quailfy for a home loan and these are the only bad marks on your credit. youll pay including all fees if they give you a statement in writing that says paid as agreeed and on time.

On 1/26/07, Woods, Twanna <Twanna.Woods@laquinta.com> wrote:
Hi Bo!

I truly appreciate your website, you have awesome advice and have done a great job with breaking down what someone should do to correct their credit issues.

The problem I'm having is I just found out this week that a medical clinic I started going to on last year has placed 4 derogatory amts into collection on my report.
I started going to this location b/c it opened up right around the corner from my house, making urgent care more convenient.

I have called them to explain that I have never rec'v a bill from them and am getting no where. They say b/c they show the correct address on file, they refuse to remove it even after I told them I'm not disputing the charge and want to pay these amts. I just want to request they remove these amts.

I told her along with never rec'v a bill, I didn't even get a phone call and they have never stopped me from visits due to non-payment. She ( the office manager) told me that they don't do their own billing, b/c they don't have that type of personnel. They have a company in another state process their billing. I should not be penalize b/c their billing company does not f/u w/ their patients to try and collect a payment the proper way.

These amts. are $6, $8, $34, & 64.

Several ppl have told me to before making the payment ask them to agree to have this removed but it's not working for me.

This appeared on my report in Nov.

I'm stressing b/c it took me 3 years to start rebuilding my credit after a divorce so now I protect my credit by any means necessary. I wish the Fair Credit Act had a law where it has to be certain amt. before they place it on your credit report as a collection b/c this is truly ridiculous!

She told me she was considering removing it until she see where I once made a payment so b/c of this, she feels this is proof I rec'v the other bills. Which I am still denying this could still not be true, simply b/c there are times I don't rec'v mail properly b/c my physical address ends in SW and if you don't put it, sometimes we don't rec'v it. Why, I don't know but it happens.

I'm actually going up to the office today to meet w/the office manager personally b/c I'm sure it's easy for someone to say "no" while on the phone but I'm hopeful it will be harder with someone looking you directly in your face.

I just don't know why someone would hurt someone else's future when they are trying to work w/ their organization and not trying to deny bill.

Can you help me figure this one out????? Thank you!
----------------------------------
Bo Majors
to LIVE HUMAN

Jan 26 (2 days ago)
Look back at my credit page for remove completely
Read about debt validation. It might help you.
--------------------------------
On 1/26/07, LIVE HUMAN wrote:
thank you for your quick response.

Actually, I told her that b/c we are in the process of working on prequalifying for a new home this is how her collections acct. was brought to my attention.
The only thing I have not offered was to pay any add'l fees. I'll see how it goes today and let you know.

I just can't believe I'm going through this.
So if after all this nothing changes, would the next step be to contact the credit bureaus? and if your answer is "yes" haven't I already opened a can of worms that may make it easier for them to dispute my argument that I never rec'v these bills?


From: Bo Majors [mailto:majors@oskie.com]
Sent: Friday, January 26, 2007 8:14 AM
To: LIVE HUMAN
Re: working w/ medical creditors
your om the right track
tell them your trying to quailfy for a home loan and these are the only bad marks on your credit. youll pay including all fees if they give you a statement in writing that says paid as agreeed and on time.

On 1/26/07, LIVE HUMAN wrote:
Hi Bo!

I truly appreciate your website, you have awesome advice and have done a great job with breaking down what someone should do to correct their credit issues.

The problem I'm having is I just found out this week that a medical clinic I started going to on last year has placed 4 derogatory amts into collection on my report.
I started going to this location b/c it opened up right around the corner from my house, making urgent care more convenient.

I have called them to explain that I have never rec'v a bill from them and am getting no where. They say b/c they show the correct address on file, they refuse to remove it even after I told them I'm not disputing the charge and want to pay these amts. I just want to request they remove these amts.

I told her along with never rec'v a bill, I didn't even get a phone call and they have never stopped me from visits due to non-payment. She ( the office manager) told me that they don't do their own billing, b/c they don't have that type of personnel. They have a company in another state process their billing. I should not be penalize b/c their billing company does not f/u w/ their patients to try and collect a payment the proper way.

These amts. are $6, $8, $34, & 64.

Several ppl have told me to before making the payment ask them to agree to have this removed but it's not working for me.

This appeared on my report in Nov.

I'm stressing b/c it took me 3 years to start rebuilding my credit after a divorce so now I protect my credit by any means necessary. I wish the Fair Credit Act had a law where it has to be certain amt. before they place it on your credit report as a collection b/c this is truly ridiculous!

She told me she was considering removing it until she see where I once made a payment so b/c of this, she feels this is proof I rec'v the other bills. Which I am still denying this could still not be true, simply b/c there are times I don't rec'v mail properly b/c my physical address ends in SW and if you don't put it, sometimes we don't rec'v it. Why, I don't know but it happens.

I'm actually going up to the office today to meet w/the office manager personally b/c I'm sure it's easy for someone to say "no" while on the phone but I'm hopeful it will be harder with someone looking you directly in your face.

I just don't know why someone would hurt someone else's future when they are trying to work w/ their organization and not trying to deny bill.

Can you help me figure this one out????? Thank you!
---------------------------------
LIVE HUMAN
to me
show details
Jan 26 (2 days ago)
OKay, will do!

Once this is all clear, I will let you know, so I can be another person to brag that your advice does work!

I truly appreciate you putting so much information out there for individuals who care about their credit.

Have a great day!
:)
--------------------------------------------
From: Bo Majors [mailto:majors@oskie.com]
Sent: Friday, January 26, 2007 9:16 AM
- Show quoted text -
To: Woods, TwannaSubject:
Re: working w/ medical creditors

Look back at my credit page for remove completely
Read about debt validation. It might help you.
-----------------------------
On 1/26/07, LIVE HUMAN wrote:
thank you for your quick response.

Actually, I told her that b/c we are in the process of working on prequalifying for a new home this is how her collections acct. was brought to my attention.
The only thing I have not offered was to pay any add'l fees. I'll see how it goes today and let you know.

I just can't believe I'm going through this.
So if after all this nothing changes, would the next step be to contact the credit bureaus? and if your answer is "yes" haven't I already opened a can of worms that may make it easier for them to dispute my argument that I never rec'v these bills?
-------------------------------
From: Bo Majors [mailto:majors@oskie.com]
Sent: Friday, January 26, 2007 8:14 AM
To: LIVE HUMAN
Re: working w/ medical creditors
your om the right track
tell them your trying to quailfy for a home loan and these are the only bad marks on your credit. youll pay including all fees if they give you a statement in writing that says paid as agreeed and on time.

On 1/26/07, LIVE HUMAN wrote:
Hi Bo!

I truly appreciate your website, you have awesome advice and have done a great job with breaking down what someone should do to correct their credit issues.

The problem I'm having is I just found out this week that a medical clinic I started going to on last year has placed 4 derogatory amts into collection on my report.
I started going to this location b/c it opened up right around the corner from my house, making urgent care more convenient.

I have called them to explain that I have never rec'v a bill from them and am getting no where. They say b/c they show the correct address on file, they refuse to remove it even after I told them I'm not disputing the charge and want to pay these amts. I just want to request they remove these amts.

I told her along with never rec'v a bill, I didn't even get a phone call and they have never stopped me from visits due to non-payment. She ( the office manager) told me that they don't do their own billing, b/c they don't have that type of personnel. They have a company in another state process their billing. I should not be penalize b/c their billing company does not f/u w/ their patients to try and collect a payment the proper way.

These amts. are $6, $8, $34, & 64.

Several ppl have told me to before making the payment ask them to agree to have this removed but it's not working for me.

This appeared on my report in Nov.

I'm stressing b/c it took me 3 years to start rebuilding my credit after a divorce so now I protect my credit by any means necessary. I wish the Fair Credit Act had a law where it has to be certain amt. before they place it on your credit report as a collection b/c this is truly ridiculous!

She told me she was considering removing it until she see where I once made a payment so b/c of this, she feels this is proof I rec'v the other bills. Which I am still denying this could still not be true, simply b/c there are times I don't rec'v mail properly b/c my physical address ends in SW and if you don't put it, sometimes we don't rec'v it. Why, I don't know but it happens.

I'm actually going up to the office today to meet w/the office manager personally b/c I'm sure it's easy for someone to say "no" while on the phone but I'm hopeful it will be harder with someone looking you directly in your face.

I just don't know why someone would hurt someone else's future when they are trying to work w/ their organization and not trying to deny bill.

Can you help me figure this one out????? Thank you!
LIVE HUMAN
---------------------------
LIVE HUMAN
to me
show details
Jan 26 (2 days ago)
OKAY, HERE YOU GO!!!!!

I went to the Physicians office today and spoke directly with the office manager I had been trying to work with all week!
I figured if she could see that I was a real person and not just someone over the phone it might make a difference.
Also, I printed off the storyline of the movie "Pay It Forward"
I asked her had she ever seen this movie and she said "Yes" and knew exactly where I was going.
She applauded me for my persistence and said as long as I was going to pay the amt. in full she would have my delinquencies removed.
She made the call while in the office to the Collection Agency and also put it in writing on their letter head they have agreed to remove this b/c of my payment in full!

I am going to make sure I send your link to everyone I know b/c it is b/c of your wonderful advice I was able to approach this with hope of it getting cleared up.

and this was 4 derogatory marks on my report.
So I look forward in seeing my Credit Score moving back up!

Thank you Bo!!!!!!!!!!!!!
----------------------
From: Bo Majors [mailto:majors@oskie.com]
Sent: Friday, January 26, 2007 9:16 AM
To: LIVE HUMAN:
Re: working w/ medical creditors
Look back at my credit page for remove completely
Read about debt validation. It might help you.
----------------------------------
On 1/26/07, LIVE HUMAN wrote:
thank you for your quick response.

Actually, I told her that b/c we are in the process of working on prequalifying for a new home this is how her collections acct. was brought to my attention.
The only thing I have not offered was to pay any add'l fees. I'll see how it goes today and let you know.

I just can't believe I'm going through this.
So if after all this nothing changes, would the next step be to contact the credit bureaus? and if your answer is "yes" haven't I already opened a can of worms that may make it easier for them to dispute my argument that I never rec'v these bills?
--------------------------------------------
From: Bo Majors [mailto:majors@oskie.com]
Sent: Friday, January 26, 2007 8:14 AM
To: LIVE HUMAN
working w/ medical creditors
your om the right track
tell them your trying to quailfy for a home loan and these are the only bad marks on your credit. youll pay including all fees if they give you a statement in writing that says paid as agreeed and on time.
---------------------------------------
On 1/26/07, REAL PERSON wrote:
Hi Bo!

I truly appreciate your website, you have awesome advice and have done a great job with breaking down what someone should do to correct their credit issues.

The problem I'm having is I just found out this week that a medical clinic I started going to on last year has placed 4 derogatory amts into collection on my report.
I started going to this location b/c it opened up right around the corner from my house, making urgent care more convenient.

I have called them to explain that I have never rec'v a bill from them and am getting no where. They say b/c they show the correct address on file, they refuse to remove it even after I told them I'm not disputing the charge and want to pay these amts. I just want to request they remove these amts.

I told her along with never rec'v a bill, I didn't even get a phone call and they have never stopped me from visits due to non-payment. She ( the office manager) told me that they don't do their own billing, b/c they don't have that type of personnel. They have a company in another state process their billing. I should not be penalize b/c their billing company does not f/u w/ their patients to try and collect a payment the proper way.

These amts. are $6, $8, $34, & 64.

Several ppl have told me to before making the payment ask them to agree to have this removed but it's not working for me.

This appeared on my report in Nov.

I'm stressing b/c it took me 3 years to start rebuilding my credit after a divorce so now I protect my credit by any means necessary. I wish the Fair Credit Act had a law where it has to be certain amt. before they place it on your credit report as a collection b/c this is truly ridiculous!

She told me she was considering removing it until she see where I once made a payment so b/c of this, she feels this is proof I rec'v the other bills. Which I am still denying this could still not be true, simply b/c there are times I don't rec'v mail properly b/c my physical address ends in SW and if you don't put it, sometimes we don't rec'v it. Why, I don't know but it happens.

I'm actually going up to the office today to meet w/the office manager personally b/c I'm sure it's easy for someone to say "no" while on the phone but I'm hopeful it will be harder with someone looking you directly in your face.

I just don't know why someone would hurt someone else's future when they are trying to work w/ their organization and not trying to deny bill.

Can you help me figure this one out????? Thank you!

-- Bobo "Bo" Majorswww.oskie.com Footballwww.oskie.com/equifaxtransunionexperiancredit.htm Credit -- Bobo "Bo" Majorswww.oskie.com Footballwww.oskie.com/equifaxtransunionexperiancredit.htm Credit

------------------------
Bo Majors
GReat job Happy New Year
---------------------------
LIVE HUMAN TO BO MAJORS
show details
Jan 26 (2 days ago)
Thank you!

It will be!
:)