Worried about amex..

[Anonymous]

I just got the news that a medical bill has gone to collection.. My insurance company didn't cover an MRI, and well neither can I.. I know that AMEX will soft new carmembers A LOT, and I'm pretty worried about it.. Am I about to kiss my AMEX PRG goodbye..?

I know that a collection is a collection, but I've heard that medical collection have less impact.. As for now, I'm trying to keep them from reporting it.. If they haven't already.

[Anonymous]

I'm suffering with the same worries!!! 

I've had a Federal Tax Lien that reappeared on my Equifax a few months ago.  Amex did not know about it because when they approved my Zinc and BCP, they pulled Experian which was clean as a whistle. 

Well, as of August 1st, that blasted Federal Tax Lien is appearing on Experian, Equifax and Transunion all three!!!  

I have fought Equifax to get the stinkin' thing taken off my CRs till I am worn out.  I went through my State's AG, I've filed a complaint with the BBB, I even got a signed letter from the County Recorder's Office (where this elusive Tax Lien is supposed to be on file) saying that they have NO such records --- REGARDLESS of all that, Equifax continues to report this Federal Tax Lien --- AND NOW ---  Experian and Transunion are reporting it too!!! 

Like you, I am very concerned that Amex is going to close down my Zinc and BCP.

[Anonymous]

Part of me is wondering if I call Amex and explain, or better yet, let them know about it before it surprises them..

Would this be a good measure? Or would this, most likely, shoot myself in the foot.. Hmm.. Any thoughts?

[LS2982]

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@Anonymous wrote:
Part of me is wondering if I call Amex and explain, or better yet, let them know about it before it surprises them..

Would this be a good measure? Or would this, most likely, shoot myself in the foot.. Hmm.. Any thoughts?

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I wouldn't call them, if AA happens let them stumble on it.

[Crashem]

I agree. Don't do anything until they do.  In mean time, just do what you can.

[sjt]

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@Anonymous wrote:

I just got the news that a medical bill has gone to collection.. My insurance company didn't cover an MRI, and well neither can I.. I know that AMEX will soft new carmembers A LOT, and I'm pretty worried about it.. Am I about to kiss my AMEX PRG goodbye..?

I know that a collection is a collection, but I've heard that medical collection have less impact.. As for now, I'm trying to keep them from reporting it.. If they haven't already.

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Who sent you to get a MRI? Why is your insurance company no paying for it, do you have a HMO or PPO, and how much is the bill for?

[Walt_K]

Can you work with the hospital to pull it out of collections and enter a payment plan?  Might be worth a shot.

[CK_Charles_Lover]

 I would call the hospital ASAP most of the time they will take any kind of payment. My mom has a few bills at hospital left over after insurance paid, she sends them minimal amount of money every month. They can not turn you in as long as you make a payment. Even $20 a month. 

[CribDuchess]

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@Anonymous wrote:

I'm suffering with the same worries!!! 

I've had a Federal Tax Lien that reappeared on my Equifax a few months ago.  Amex did not know about it because when they approved my Zinc and BCP, they pulled Experian which was clean as a whistle. 

Well, as of August 1st, that blasted Federal Tax Lien is appearing on Experian, Equifax and Transunion all three!!!  

I have fought Equifax to get the stinkin' thing taken off my CRs till I am worn out.  I went through my State's AG, I've filed a complaint with the BBB, I even got a signed letter from the County Recorder's Office (where this elusive Tax Lien is supposed to be on file) saying that they have NO such records --- REGARDLESS of all that, Equifax continues to report this Federal Tax Lien --- AND NOW ---  Experian and Transunion are reporting it too!!! 

Like you, I am very concerned that Amex is going to close down my Zinc and BCP.

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Federal Tax Liens are normally put in place by the IRS, not State governments.  Have you checked with the IRS?

[CribDuchess]

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@Walt_K wrote:

Can you work with the hospital to pull it out of collections and enter a payment plan?  Might be worth a shot.

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+1  In this day and age, I can't see any hospital not being willing to work out a payment arrangement.