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Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Medical bill 2008

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‎05-07-2012 02:30 PM

I need some help here. I have a medical bill from 2008. Its on a big $200. PDF GW. What to do. I would like to pay it,but I'm scared my Fico and credit score will be lower. Any suggestions. Thanks again Fico friends.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
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pizzadude
Posts: 6,216
Registered: ‎01-28-2010

Re: Medical bill 2008

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‎05-07-2012 03:05 PM

 

The first thing I would suggest is to send a PFD request.    You pay, they agree to delete the account from your credit reports.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: Medical bill 2008

[ Edited ]
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‎05-07-2012 04:15 PM - edited ‎05-07-2012 04:17 PM

That's what I was thinking. Thanks Pizza you are the man. Anymore suggestions from anyone else. Do I pay first or get a letter from them first ?

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
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Established Contributor
2NE1
Posts: 913
Registered: ‎12-06-2011

Re: Medical bill 2008

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‎05-07-2012 04:17 PM

 

is this "bill" a collection? have you tried paying to the OC? or is this being reported by a CA?

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620 for starters! :smileyvery-happy:
Take the FICO Fitness Challenge! | Silver Spade Garden Club Member - GC Challenge: App free since 7/2012
*rebuilding mode* wallet: Cap1 Platinum (750CL); Orchard Platinum (400CL); Macy*s (2KCL); NFCU cashRewards (6KCL); Walmart (400CL); Amazon (800CL)
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Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: Medical bill 2008

[ Edited ]
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‎05-07-2012 04:18 PM - edited ‎05-07-2012 04:22 PM

Its a collection on my reports from a CA. I never tried paying back OC because I wasnt working.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
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Established Contributor
2NE1
Posts: 913
Registered: ‎12-06-2011

Re: Medical bill 2008

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‎05-07-2012 04:20 PM

Brian_Trying_700 wrote:

Its a collection on my cc reports.

From personal experience, I've had success getting UNPAID medical collections from 2008 and 2009 deleted off ALL 3 CRAs by sending the pre-HIPAA letters. Check your inbox! :smileyhappy:

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620 for starters! :smileyvery-happy:
Take the FICO Fitness Challenge! | Silver Spade Garden Club Member - GC Challenge: App free since 7/2012
*rebuilding mode* wallet: Cap1 Platinum (750CL); Orchard Platinum (400CL); Macy*s (2KCL); NFCU cashRewards (6KCL); Walmart (400CL); Amazon (800CL)
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Regular Contributor
trix_r_4_kids
Posts: 159
Registered: ‎04-28-2012

Re: Medical bill 2008

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‎05-07-2012 05:21 PM

2NE1:

Would you please PM me as well with info regarding pre-HIPAA letters?

 

Thanks :-)

I used to post my scores here. However, I'm prone to motion sickness and the ups and downs were nauseating.
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Established Contributor
Lasardo
Posts: 604
Registered: ‎04-26-2012

Re: Medical bill 2008

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‎05-08-2012 02:47 AM

Would love those letters also!
CS 728- 01/13 from 554-12/11
Goal: 800
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Established Contributor
Lasardo
Posts: 604
Registered: ‎04-26-2012

Re: Medical bill 2008

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‎05-22-2012 12:01 AM

Please please send them to me too!! Please !!!
CS 728- 01/13 from 554-12/11
Goal: 800
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Established Contributor
2NE1
Posts: 913
Registered: ‎12-06-2011

Re: Medical bill 2008

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‎05-22-2012 07:48 AM


@Lasardo I've already sent you the info weeks ago, check your inbox! :smileyhappy:
Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620 for starters! :smileyvery-happy:
Take the FICO Fitness Challenge! | Silver Spade Garden Club Member - GC Challenge: App free since 7/2012
*rebuilding mode* wallet: Cap1 Platinum (750CL); Orchard Platinum (400CL); Macy*s (2KCL); NFCU cashRewards (6KCL); Walmart (400CL); Amazon (800CL)
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