Question about unknown medical bills now in collection on my credit report

http://repairbadcreditreports.blogspot.com/2007/07/medical-bill-collection-unknown-inquiry.html

I was doing some research on the internet and i came across this post from last year. I had a question about unknown medical bills and I dont know where to get any other information from. Basically about 5-7 years ago I went to the ER, I am pertty sure I was still in High School for the first case, because I remember being out school...anyway my question is can the hospital send a bill to collections agency with out me ever reciving a bill and not knowing I owed anyone anymoney and its been over 5 years. what do i do?
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many times this is the only way for hospitals to collect. Many people move and they cannot send a proper bill to the proper place so they put it on the credit report. When ever that person wants credit the hospital gets paid. as far as age goes. you may have been younger than 18 and might get out of the bill on that accord. I would dispute the bills. Say they ae not yours and ask for validation the bills.

went to the doctor in January 2005. There must have been some type of error with the insurance

I went to the doctor in January 2005. There must have been some type of error with the insurance because the doctor was never paid.
I filed chapter 7 bankruptcy and it cleared in January of 2006. I didn't include the doctor on the bankruptcy because I never received a bill.
A collection has started showing up on my credit report now, after the bankruptcy. It was not there before. They are also re-reporting it every 6 months.
I disputed this with Experian stating that I had cleared bankruptcy since I incurred the debt. The collection agency responded that the debt was accurate. Is there anything that I can do?
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if it was not included it was not included
there for accurate
try this
free-credit-help-sample-form-letter-letters
debt validation

Medical collection on an insurance dispute. Remove clean delete

I have a medical collection due to an insurance dispute and would like some coaching to get it removed from my report. I am getting divorced and not receiving all the mail. My husband's insurance changed processing agents and was requesting documentation of additional coverage (which I didn't have) before they paid my claim. I was unaware of their request due to my husband's lack of notification. When I discovered the charge was on my report I called the doctor's office and paid the bill in full. Now I find out that I over paid because they were a PPO for our plan. The insurance company is paying the doctor directly and now I have to fight them to receive the overage plus they won't help me to remove it form my credit report. I haven't contacted the collection company yet and would like to know which is the best direction to go to have this issue resolved.
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the ppo would be liable for the late payments
thats why to doctor bill doesnt want to help
all they see is you were late and thats all
maybe the ppo could help

but if you already paid there is no incentive to get the doctor to help now that they have the money in hand

so i would haggle with the ppo and see wht relief you can get
and of course the my husband thing will always be trouble
until
you are totally removed from all loans, insurance and anything credit

Medical bills sent to collections. Insurance

Hi, Bo

I emailed you before and you were a great help. But now I have another big issue that i seem to not be able to get off

I send valadtion letter to West assest after 30 days of no response I send Val follow up,
I then sent dispute letter to CRA that they sent me back as verified.

I then for the 3 and forth time requested detail bills from this company because I have had and still have medical insurance that they never billed. still with no response so I called company they told me they do not send bills

PLEASE HELP there is 17 account from them on CR
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if its insurance you have to work that our yourself
somehow

if one does not follow up on certified delivery mail
debt validation

call your state attorney general and the ftc and your local bbb

dentist bill went to collection in 2002. Should I pay it?

I have a $600 dollar dentist debt on my credit report. It was posted in 2002. What would you recommend I do? I had insurance at the time but its possible that they did not cover the work that was done. Since this was from 2002, should I contact the collection agency? or should I dispute it? or is it better to leave it alone since its from 2002. I appreciate your guidance in this matter

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I guess it depends on your credit score now
and
if this is affecting something you wish to do

you can dispute it and hope
might do that
then
negotiate, pay and be done
ask for humble credit help
talk to both the collection agency and the original creditor

if you have new good credit this should not hurt your score much even if they do redate it
but i would make sure they at least did not re date the account

medical bill, sold to collection, report past due. Should i settle?

A medical bill for $989 that we set up a payment plan on was given to a collection company for the children's hospital, We have made the agreed upon payment every month since they started. About 6 months ago.
I went out and pulled my credit report last Friday and saw that they have it listed as seriously past due and list the balance but do not put anything in the payment status and as of October it shows a KD for the month. I called to verify they were receiving payments on time from my account and asked about it, they claim that all they do is change the balance every month 35 days after the payment is made and it will say its seriously past due until its paid off completely.
This dropped my credit score substantially, I was told last fall when we refinanced our house that my score was in the low 700's and now it shows 649 and this appears to be the only negative new thing in several years. Are they right and only doing what they are required to do? I told them that if they had told me this 6 months ago that I would have paid it in full and put it on a card as the drop in points is worth more to me than the $900. The last two times we had major medical bills we did this same thing and it wasn't handled like this. Should I offer to pay it off completely if they will amend the report to show paid on time and in full to get my points back?
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should have paid it off and negotiated for a better credit right then.
So do that NOW.
Make sure the debt is validated when you are not paying the original creditor.
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Thanks, I couldn't pay it off when it was with the hospital because the insurance company was due to pay more, original balance was over $2,400 and it took over 4 months before the insurance company paid it down to the correct level around $980. I was communicating and updating the invoicing dept. of the hospital but they turned it over to their collections department while it was being paid down by the insurance company. The woman in the invoicing department and my HR rep at work told me if I paid the bill it would be like pulling teeth to get that money back from the health insurance company so I guess I got bad advice at the time.
I will move some money around from savings and offer them the settlement.
Should I insist on getting an agreement from them in writing if the say they'll amend the report and only pay them in full after I get the agreement? And do they actually remove the whole thing or just amend the report to say that I made all payments on time and it is paid in full?
The thing I don't understand is that Children's Hospital is the original debt holder, they sold the debt to Holloway Credit Solutions and on the report it list Holloway as the debt holder. How can Holloway report that I'm not making payments when they are auto drafting them from my checking account?
When I asked them about the KD in October after 6 months of payments they told me all they do is adjust the balance every month
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this is normal and accurate reporting f0r collections, yes.
bureaus only report what they are sent to report.
send the holloway group debt validation and make them show they have legal right to collect
most don't expecially on charge offs.

Yes insist on writing before you pay.
but validate first even though you know it is your and you have made payments
insist on validation. Play hardball in a nice tone.

in the end, if nothing can be done pay them anyway, if you can, and BE DONE.
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Health care related collection agencies. Delete by phone or mail.

I read much of your website and found it to be very helpful. Most of my debts in collection do not show up elsewhere on my credit report. They are all filed under the collections section. I'm not sure if it has anything to do with them being all health care related. My question toyou is concerning how I should approach the collection agencies. If Icall, what type of dialogue should I use? What questions should I ask, and should I request a confirmation that they will delete the entry onthe phone and request that they send it to me by mail, or should I request everything via mail? Any help would be appreciated.
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I would dispute them first. Mark not my account.
Then validate the debt, if the dispute does not work.
Then call and negotiate
Ask for total removal if you pay in full
Settle for marked paid in full with no new dates.

say you are buying a new home and this is the only thing holding you back from getting your dream.
beg, beg a manager at least

My credit score went down when I paid a collection

On 6-7-07 my score was 650 that same month Capital One raised mycredit limit from $300 to $1,800 (%18) as well as Washington Mutual approved me for an $8,000 card (%9). I have a secured loan for a boat and have never been late. There are two vehicle payoffs paid never late since 2003. Now 10-10-07 my score is 642. I thought I was doing great until I paid $200 on a $3,000 medical collection that was never on my credit but now is ( I was alerted today 10-11-07 of this new entry to my credit). I never thought apayment would have such a negative impact on my credit.
My question: Since I have all but this one huge medical bill and the others were paid between 20 and 65 days ago would it help to file a dispute withthe CA's in hopes of getting these collections updated to paid status any faster? It's now mid October and I had planned on making a vehicle purchase in December of $30,000 with about $8,000 down and am afraid that since my credit appears to be collapsing I'm going to either not get approved or get approved with a high interest rate. I have approximately $1,800 a month of disposable income. Normally I would wait on a vehicle but due to a manufacture change I am running out of time to buy this particular vehicle type.
WaMu- $8,000 limit with $5,200 balance
Cap One- $1,800 limit $1,000 balance
Vehicle 1 payoff 2003
Vehicle 2 payoff 7-2007
Boat - paying since 4-2006 never late
Truck to pull boat - on wish list
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Bo
One should validate and negotiate before they pay.
call the collections agency and talk to them.
ask for no new dates at least. totally removal if you pay in full now.
you have enough money to do it. Once a person pays on a debt, they validate the debt themselves.

I would rather close cap one (had problems with reporting maxed out all the time) if it is over 1 year old.
get one if these credit cards instead.
they will not help until 1 year passes.

the interest rate difference from 650 - 620 is not more than 1% if you have 5000.00 down on most car loans. Do you have a credit union. sometimes all collections have to be paid with credit unions. Credit Unions provide very competitive rates.

Even though your score went down right now it will go back up soon if you keep good current credit going.

Medical collection date of last activity. Pay off

I have worked very hard for the past 6 months getting my credit report fixed. All I have left is a $373 medical bill (that I think should have been paid by insurance company). None the less, I have called and ask them to remove if i pay in full. "NOPE". Well, this bill is 5 years old. And if I pay it off my score will drop due to activity. And right now for me every point counts. I am wanting to get a new car. If they drop me 10 points, that stops me in my tracks. What should I do?
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I like to pay off everything no matter what. Having it paid helps too. So many times a re date will offset by having a zeroed balance.
The 10 points will be back in a matter of 6-12 months if you have good open credit now.
Some lenders turn people down for just one outstanding collection.

Collection, Medial bill, Doctor bill

I moved a little over a year ago, and when I did I switched doctors. I recently checked my credit report as I am about to make a large purchase, and have a collection for $81 from my old doctor. I was never notified by phone or by mail that any amount was due, nor do I have any knowledge as to what the charges are for.

Can a doctor place a charge on my credit report without notifying me? I am trying to make a purchase ($100,000 for truck and RV) in the next 30 days and this could cost me several thousands of dollars in higher interest rates.
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They sure can and they did.
Happens thousands of times a day.
People move.
Doctor get wrong address.
Insurance never pics something up.
The only way they know to get the money is to put it on the credit report.
Negotiate and pay. Ask for removal and be willing to pay a fee of like 20.00 for the effort.
It is not worth hassleing over he said she said thee is 100.000 on the line.
Tell them that is they will send you a letter on company letterhead with a signature you will use it to update the credit report yourself by disputing it with this form
And the letter they send you.
Read this page.

Collections Agency Billing Insurance, paid collection

Can a collection agency report an account before billing medical insurance? I have dual insurance with 100% coverage and collection agencies have reported me with unpaid accounts before billing secondary insurance. When insurance pays the bill in full they upgrade the report to a paid collection. Most will delete the record but it is a hassle. Is it true that if you have insurance and the provider either does not bill or bills incorrectly that you do not have to pay?
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I would not think so.
I always have to pay.
Collections is a natural way for medical providers to collect.
Hospitals DO have to treat anyone who seeks treatment.
We all say medical is free to the indigent. This is not wholly true . Medical providers have the legal right to ruin credit on any and all person that do not pay fast. Expect to get collections from any and all medical providers fast. One of the biggest holes in hospital balance sheets is getting the bill to someone before they move and claim I never received a bill.
That is the largest line out there. So I have to prove my spot.
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If the account is found to "should have been paid by insurer" and the medical provider did not file insurance properly one would think the medical provider would have the account removed from your report.
NOTHING in credit reporting or collections is written in stone. One would think that all the creditors and bureaus and consumers could work this all out. But multiply, millions of creditors by millions of consumers, by 3 bureaus and it is a wonder anything works.
By and large most credit reports closely reflect a consumers past and current credit.
But strange things happen to real people in the hundreds of millions of different credit spots each day.
So check, recheck, and know your rights. Sounds like you are doing just that.

I recently pulled my wifes credit report from truecredit.com which shows all three reports and notice that a medical collection is on there and has been paid. It shows paid with a zero balance. How do I get this off of my report. Also the collection company hit the report for an inquiry. I wrote them a letter asking where there were given permission to pull the credit report and haven't heard from them yet.

Any help or guidance would be appreciative.
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http://www.oskie.com/credit-dispute.htm
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm