Adventist Fl Hospital - My First GW Attempt

[dmorey]

Here's something interesting. I replied to the email declining the goodwill, requesting that the account is at least updated where it is no longer listed as an open loan with lates and got this response.

This is something you will need to dispute directly with the credit bureau.  The account was transferred to North American Collection Services on 02/11/2008 for a balance of $50.00.  they would have originally reported the account to the credit bureau.  The hospital does not have any control over how they handle their accounts but I would not know why they would report something with only a $50.00 balance as an open loan.  The hospital does not have any open loan on accounts the hospital is still handling so this might be  something that the credit bureau put on the account.

Might be helpful to others in the same position. I just sent an email to North American. We'll see what happens.

[dmorey]

OK, so this account finally updated after it was paid, but I don't think this is accurate. How can it be marked as paid but also 120 days late? Can it be reported this way? By this way this was a collection for a $50 hospital copay, not a loan. Anything I can do? Here's the listing on Equifax:

Name: ADVENTIST FLORIDA HO

Acct #: AHS SUNBE-XXXX

Credit Limit: n/a

Date Reported: 01/19/2013

Date Opened: 08/18/2007

Balance: $0

Past Due: $0

Acct Status: 120+ DAYS PAST DUE

AHS SUNBELT DBA FL HOSP

900 Winderley Pl Ste 2100
Maitland, FL  32751-4191
(407) 303-0500

Account Number:	AHS SUNBE-XXXX	Current Status:	120+ DAYS PAST DUE
Account Owner:	Individual Account.	High Credit:	$50
Type of Account :	Open	Credit Limit:	N/A
Terms Duration:		Terms Frequency:
Date Opened:	08/18/2007	Balance:	$0
Date Reported:	01/19/2013	Amount Past Due:	$0
Date of Last Payment:	12/2012	Actual Payment Amount:	$0
Scheduled Payment Amount:	$0	Date of Last Activity:	N/A
Date Major Delinquency First Reported:		Months Reviewed:	14
Creditor Classification:	Medical/Health Care	Activity Description:	Paid and Closed
Charge Off Amount:	$0	Deferred Payment Start Date:
Balloon Payment Amount:	$0	Balloon Payment Date:
Date Closed:	12/2012	Type of Loan:	yes
Date of First Delinquency:	02/2008
Comments:	Medical

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2012

180

180

180

180

180

180

180

180

120

180

120

120

2011

*

*

*

*

*

*

180

180

180

180

180

180

2010

*

*

*

*

*

*

*

*

*

*

*

*

2009

*

*

*

*

*

*

*

*

*

*

*

*

2008

*

*

*

*

*

*

*

*

*

*

*

*

2007

*

*

*

*

*

Payment History Key

PS, Don't mean to hijack OPs thread, but thinking OP is having this same issue too, lol.                                                                  

[raisinitup]

I am having that same issue although I think this is an issue to dispute with EQ versus the hospital. By reporting this as a revolving line, they've taken a small medical collection and caused the impact of a delinquent student loan. It's ridiculous.

[dmorey]

I thought it was Equifa x at first but after disputing it a couple of times, I believe it's a separate collection agency that isn't on my report that is reporting it this way. From what I can tell Florida Hospital has no clue how they report, though they don't seem overly concerned either.

[chrisre]

Was any progress made on this account? After 6 months I'm still trying to rid my report of AHS SUNBELT.