Credit Card Center Advertiser Disclosure†
11-25-2012 10:36 PM
Hello everyone. I need some help. I have been using this site for the last three or so years trying to undo the damage I did to my credit as a teenager. I got my credit back from the low 500's to the 690's. But now I'm back down to 644 because I got hit with two medical collections resulting from an automobile crash I was in. I was in the accident and of course the bills came in. But I forwarded them to my car insurance company and assumed they paid them. Next thing I know I get two letters that were saying that if I didn't pay the balance, one for like $550 and another for $250, that they would send me to collections. Now never having been in a car accident I thought the insurance company took care of this as I pay for full coverage. I am pissed. I worked really hard to get where I was headed and feel like I've failed.
Can you guys help me figure out what to do? ? ?
Can I get these deleted from my CR if I PIF? ? ?
If so what steps do I take? ? ?
Thanks in advance!
11-25-2012 11:33 PM
Are they reported to all 3?
11-27-2012 12:34 PM
I would check all 3 of my reports and see which one(s) are reporting. If you haven't already used your free annul reports, pull them. After that, I would definitely try and work out some sort of PFD, especially if you are going to PIF. I'd try and get something in writing as well, in case they don't follow through you'd have something to fall back on and send to the CRA's.
That's what I would do...GL!
11-28-2012 05:47 PM
Ok so I used my free annual credit report and the medical collections are showing up on the EQ and TU but not EX. So now what do I do? Deal with the hospital directly to arrange for PFD or the CA? ? ? Also I noticed that my CapOne account isn't accurately showing my CL. Its saying $700 when its actually $1750. Do I do something about that too? If so what?
Thanks for the help so far and for any more I can get!
11-28-2012 10:15 PM
Did you just get an increase on the cap one account? If not I would contact cap one about their incorrect reporting.
On the medical collections I would send the hipaa letter to TU and EQ then wait and see how they respond
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.
* 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.
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.