Reply
Established Contributor
Posts: 510
Registered: ‎04-17-2007
0

Medical Collection GW?

Has a GW letter worked for anybody that submitted it to a collection agency? I got a $96 collection that appeared on my reports in March. I was so pissed because I was NEVER billed for anything at all. Never. It was for my ER visit in year 2000. But anyhow, I contacted this company first, they never contacted me before, and told them that I never received a bill. Guy goes crazy at me saying that I am irresponsible for not changing my address 6 years ago when i moved out of the house that they claim to be sending bills to. So, I go crazy at him saying "are you retarded or something? How do I know to change my address with you when I don't even know you had my account." I ended up paying right away since it was $96 bucks. Now, I really need to get this collection removed from my reports. It's been nearly 4 months. Do i have any chance? I just hope that this guy is no longer at this job so that somebody else gets my fax/letter.
Established Contributor
Posts: 510
Registered: ‎04-17-2007
0

Re: Medical Collection GW?

bump?
Frequent Contributor
Posts: 322
Registered: ‎06-05-2007
0

Re: Medical Collection GW?

If the bill is from a visit that took place over 7 years ago, then I would dispute.  The bill was probably sent within 30 days of the visit and because you never made a payment, I would assume the date of last activity would be around the time of the first bill.  If this is over 7 years old, dispute.  Keep us posted.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.