Reply
New Visitor
WildCherry
Posts: 2
Registered: ‎09-21-2013
0

How do I get these medical bills off my credit report?

I have 17 derogatory accounts on my credit report, all medical. They range from 2007-2012. Even if paid they stay on, which is still a negative from what i'm told. How can I handle this myself and remove these. If I do a debt validation letter, don't they only have 30 days to validate and then I can dispute? 

One more question how do I find out who these collectors are.. address phone and all. It doesn't really say on the credit report. Just a few letters like NCO or something w/no contact info. 

Any advice would be appreciated.

Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: How do I get these medical bills off my credit report?


WildCherry wrote:

I have 17 derogatory accounts on my credit report, all medical. They range from 2007-2012. Even if paid they stay on, which is still a negative from what i'm told. How can I handle this myself and remove these. If I do a debt validation letter, don't they only have 30 days to validate and then I can dispute? 

One more question how do I find out who these collectors are.. address phone and all. It doesn't really say on the credit report. Just a few letters like NCO or something w/no contact info. 

Any advice would be appreciated.


Welcome to the forum

NCO is the CA=colection agency

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


New Visitor
WildCherry
Posts: 2
Registered: ‎09-21-2013
0

Re: How do I get these medical bills off my credit report?

Thanks!  I know NCO is the collection agency.  But there is not contact info for them listed on the actual report

Frequent Contributor
racer-x
Posts: 377
Registered: ‎09-16-2012
0

Re: How do I get these medical bills off my credit report?

[ Edited ]

I have nothing to offer other than this:  I read/saw an article somewhere that there is currently a bill in congress concerning medical collections on CR's.

The bill will make all paid medical collections to be deleted after 45 days from ones' CR's.

 

I had forgotten about this til now....my S.O. is in a similar situation but not quite as many collections, about 8.

 

Going to research now.

 

edit:  Here it is - http://www.govtrack.us/congress/bills/112/s2149/text

 

http://money.msn.com/saving-money-tips/post.aspx?post=d6d4ecf0-6546-40f7-9f1e-d75f07e68552

 

I know you're wanting/needing to fix your collection problem asap, but at least this is some hope for down the road.


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

Take the FICO Fitness Challenge
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: How do I get these medical bills off my credit report?


WildCherry wrote:

I have 17 derogatory accounts on my credit report, all medical. They range from 2007-2012. Even if paid they stay on, which is still a negative from what i'm told. How can I handle this myself and remove these. If I do a debt validation letter, don't they only have 30 days to validate and then I can dispute? 

One more question how do I find out who these collectors are.. address phone and all. It doesn't really say on the credit report. Just a few letters like NCO or something w/no contact info. 

Any advice would be appreciated.


You can get your free reports from annualcreditreport.com if you haven't in the last 12 months.  One from each CRA.

 

Those reports will tell you who the CA is.  No, they have no time limit to respond to a DV, if ever.  Them not responding is not a basis for a dispute.

 

I would start by contacting the OC of theses accounts.  See if they offer any type of financial assistance.  If they do it would be possible to have most, if not all, of the debt wiped out.  If that occured the CA would have to delete as there would be no debt to collect on.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}