HELP! Frustrated...

[Heatherkins]

Sent a PFD for a medical account that went into collections. I did not even know I had these fees until I looked at my credit report. It is for $110.00.

Their response was that their information is accurate and that they will report to CA that the account is disputed. Today, my credit score dropped 60 points as it was listed as a collection again.I find it strange that at the bottom of the letter, it lists no name to call just "compliance coordinator."

Thought PFD and GW would help me raise my score...not lower it!

What to do?

[JM-AM]

---

@Heatherkins wrote:

Sent a PFD for a medical account that went into collections. I did not even know I had these fees until I looked at my credit report. It is for $110.00.

Their response was that their information is accurate and that they will report to CA that the account is disputed. Today, my credit score dropped 60 points as it was listed as a collection again.I find it strange that at the bottom of the letter, it lists no name to call just "compliance coordinator."

Thought PFD and GW would help me raise my score...not lower it!

What to do?

---

Since it is medical I would look up the HIPPA process and follow instructions. Do not contact them again until you have read and understand the process. All information you need is found doing searching online. We do not speak anything more on the HIPPA process in these forums but to let others know there is a way to deal with medical collections and such and all information can be found online.

[llecs]

Per FICO scoring, FICO ignores any dispute comment for all CA and PR accounts. So the dispute wouldn't have any bearing on your score. I'd make sure that the score you have is a FICO and I'd look around on that report to see if anything else changed or updated.

[Heatherkins]

They CA reported it as a collection.

They hadn't updated it for 2 years....

I sent a PFD to get it removed from my account and it backfired.

[bruiseviolet]

Google HIPPA Process....

[Booner72]

I don't see how them updating it could drop your scores like that.  I have a couple of medical (well more than a couple) that when they CA "updates" it doesn't affect my scores at all.

I've disputed it trying to get it removed and when I do they re-report and that in effect, "udpates" it but I'm not seeing score drops from that.

Are you sure something else didn't cause that drop?  If it's been there 2 years I think the impact is getting less and less.