Paid medical collection. Now what?

[Anonymous]

I wish I found this forum sooner.

I have a medical collection for $55 that I paid in full recently.  The original date of medical service was 12/2003.  It shows that the CA bought it in 7/2005 and that it will be reported until 2012.  The payment hasn't posted yet and I'm worried that by paying it, it'll  be re-aged to this year.

Is there anyway to get this taken off of my CR early?  It's KILLING my scores and we'll be in the market for a mortgage well before 2012. 

Message Edited by massagemama on 03-02-2008 01:53 PM

[Anonymous]

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massagemama wrote:

I wish I found this forum sooner.

I have a medical collection for $55 that I paid in full recently.  The original date of medical service was 12/2003.  It shows that the CA bought it in 7/2005 and that it will be reported until 2012.  The payment hasn't posted yet and I'm worried that by paying it, it'll  be re-aged to this year.

Is there anyway to get this taken off of my CR early?  It's KILLING my scores and we'll be in the market for a mortgage well before 2012. 

Message Edited by massagemama on 03-02-2008 01:53 PM

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Dispute the drop date (CRTP)  DOLA would be 12/2003     DOFD might be the same date. It should drop  around  12/2010      The CA re-aged       CRTP does NOT change because of a payment!!!!

[Anonymous]

Do you think I might have success having it deleted if I write the CA a letter?  Even if it is corrected and falls off in 12/2010, it'll really hurt my chance of getting a good mortgage.

Message Edited by massagemama on 03-02-2008 02:03 PM

[Anonymous]

re-aging is against federa law!!!!!  I would go through the CRA  first!  They might fight you OR they might just delete it.

You can try a simple dispute.... OR     file a dispute showing that the CA re-aged.

You can send the CA a GW

You can send the CA a letter stating that they re-aged the account and to keep things simple and not involve the courts Please delete all referance to this account within 15 days.

IMO   I would file a dispute as *not mine*  and see if it is deleted.  

[Anonymous]

massagemama,

I paid a medical collections through the CA and then I called the hospital to check the status of my account.  The OC said that I had a zero balance.  I went to the hospital and had them print out a statement showing a zero balance.  I sent that in to Experian and stated that the money was paid to the OC.  They deleted the CA account. 

One down one to go......haven't been so lucky with TransUnion.....

[Anonymous]

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camilleandbella wrote:

massagemama,

I paid a medical collections through the CA and then I called the hospital to check the status of my account.  The OC said that I had a zero balance.  I went to the hospital and had them print out a statement showing a zero balance.  I sent that in to Experian and stated that the money was paid to the OC.  They deleted the CA account. 

One down one to go......haven't been so lucky with TransUnion.....

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Do you think it would make a difference that I paid the OC and not the CA?

Does the doctor's office have the power to tell the CA to delete the account from my report?  Or do I need to go straight to the CA?

Message Edited by massagemama on 03-02-2008 05:34 PM

[Anonymous]

The Dr. has the power to tell the CA to get lost. The problem is that most Dr. (office) have no idea how to handle a CA or what they can & can't do. The office will ask the CA and follow what the CA tells them!