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Medical collection accounts on my credit report

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alexl22
Regular Contributor

Medical collection accounts on my credit report

 

Alright so I had pulled my credit reports for the year and found 3 Collection angencies all reporting the same medical (ambulance ride) debt on my credit reports. Two entries for each one of the CA's, one for 1026 and one for 54. They were all opened within 6 months of each other, one on 12/13, 1/14, and 5/14. I want to settle this debt but dont know who to contact or if there is anything I can do to not have all three companies reporting the same debt. Any suggestions would be great! Thanks in advance!

 

Starting Score: myFICO TU: 542, myFICO EQ: 556 EX: 549 (03/2013)
Current Score: 729 TU, EQ: 702, EX 724

Message 1 of 6
5 REPLIES 5
Shogun
Moderator Emeritus

Re: Medical collection accounts on my credit report

Was there one ambulance ride and now multiple collections on this ride.  First off, that's not right.  I need a little more info on this.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
alexl22
Regular Contributor

Re: Medical collection accounts on my credit report

I believe this was back in 2010, did not have insurance at the time. I know a medical bill is my responsibility, but I moved soon after and never recieved a bill, nor any letters from any of these collection accounts.

 

this is from my experian report

Experian.png

Starting Score: myFICO TU: 542, myFICO EQ: 556 EX: 549 (03/2013)
Current Score: 729 TU, EQ: 702, EX 724

Message 3 of 6
alexl22
Regular Contributor

Re: Medical collection accounts on my credit report

As I said I want to pay this but who to contact about this is in question. Also I would rather not have 3 different CA listed on my report for the same debt.

Starting Score: myFICO TU: 542, myFICO EQ: 556 EX: 549 (03/2013)
Current Score: 729 TU, EQ: 702, EX 724

Message 4 of 6
Shogun
Moderator Emeritus

Re: Medical collection accounts on my credit report

The posting didn't show up on my end, I can't see your report.  Maybe try again. You have to upload it to your images and then post.  But you can't have 3 different CAs listed for the debt.  You can only have one.  Send a DV to all 3, see who comes back with the debt.  Then try for a PFD.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 6
alexl22
Regular Contributor

Re: Medical collection accounts on my credit report

Alright will send DV letters to each of them, then move on from there.

Starting Score: myFICO TU: 542, myFICO EQ: 556 EX: 549 (03/2013)
Current Score: 729 TU, EQ: 702, EX 724

Message 6 of 6
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