Credit Card Center Advertiser Disclosure

Reply
Contributor
Posts: 84
Registered: ‎05-10-2015
0 Kudos

I NEED HELP with a medical collection

i have 3 more colletions left on  my credit report one which falls of next month the other i have sent a pfd letter the third is a medial collection for $850 i have no knowledge of at all, i called the creditor and they said they show the balance for september of 2008 and notes that report "patient left without paying" but they have no information about what procedure was performed and told me to contact the office directly, so i did...the receptionist said she doesnt have a file on me because they shreded all files from 2008 and and before...my question is can i call and ask for this to be removed...is there another way to handle this? if this was september it will fall off the report this year correct? any advice will be appreciated, thanks alot

Cap1 platinum 500 cap1 qs 500 credit one 400 penfed 3000 Amazon 5000 Walmart 5000 lowes 15000
Valued Contributor
Posts: 4,493
Registered: ‎11-28-2014
0 Kudos

Re: I NEED HELP with a medical collection

From what I know, if they can't prove it, the CRA's have to remove it. 


FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
Total Credit Lines - 506K Gardening....
"I am the master of my fate and the captain of my destiny" Nelson Mandela
Contributor
Posts: 84
Registered: ‎05-10-2015
0 Kudos

Re: I NEED HELP with a medical collection

This is what i got from the coversation with the creditor he says they have the balance and statment and a letter sent out to me (my old adress) but no record of the procedure at all so do i call back and request for it to be removed or send a validation letter and wait for response...im not sure 

Cap1 platinum 500 cap1 qs 500 credit one 400 penfed 3000 Amazon 5000 Walmart 5000 lowes 15000
Moderator
Posts: 30,891
Registered: ‎12-13-2013
0 Kudos

Re: I NEED HELP with a medical collection

Send the reporting CA a DV with request for hospital billing. Do not dispute it, it will just come back verified if that CA still has authority to collect

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Debt-Validation/m-p/7133

 

If they can validate it then negotiate a PFD

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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.