01-29-2013 06:38 AM
Hi Everyone! I understand we can not discuss how to handle medical collections on the forum. I have two medical debts from 08 which are small amounts. I'm applying for a house, and I was told if I paid them that I would be okay to get a home. The collections state they are from the hospital...hospital said they don't have them in their records anymore but I don't see any collection agency that has the debt.
Would you recommend a DV or should I try a PFD?
01-29-2013 09:29 AM - edited 01-29-2013 09:30 AM
With no CA reporting, you can't do a DV.
If the OC doesn't have your information, a PFD could be hard to do.
Where did you get your reports?
We can't discuss the HIPAA process, we can discuss medical collections.
01-29-2013 10:05 AM - edited 01-29-2013 10:07 AM
If you haven't done so, get your free reports from annualcreditreports.com. There may be more information on those,
The only thing I can think of is a direct dipute to the OC under the FCRA. They have to investigate and respond within 30 days. It puts the burden on them.
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.