Reply
Valued Member
Posts: 29
Registered: ‎06-27-2013
0

Need some medical bill PFD advice

Hello everyone..I have 3 medical bills in collections that i want to try and get taken care of...2 of the collection is from the same CA with one being from 2010 for a total of $190 and one from 2012 for a total of $92 and then i have a new one that just hit froma  different CA for a total of $100..

 

Now when i try to request a PFD should i try and combin the 2 collections together thats with the same CA or try and get a PFD one at a time ? On the new one just hit do you think it will be harder to get PFD since the bill has just starting reporting ?

 

Last do you thnk i would have a better chance of getting this done through mail or on the phone..I did some searching and seen some say do it both ways and some say to never talk on the phone with them..I didnt find no new threads so figured i'd ask again.

Starting Fico scores 6/29/1013
Experian 584 / Equifax 639 / TransUnion 598
Regular Contributor
Posts: 134
Registered: ‎06-18-2013
0

Re: Need some medical bill PFD advice

I've had some success with PFD medical collections, specifically with NCO collection agency. 

 

I would contact them via telephone first, and try to get an agent to agree to take a payment of 75% of the total bill.  (This is what I did).  Then fax a PFD letter to that agent's attention with the terms they agreed to.  I know most people will say never give a collection agency your info over the phone, but I needed the accts off my report asap so I paid over the phone with a credit card (that way I could dispute the charges if they didn't delete).  About a week later, the items were deleted from all 3 CRAs.  Good luck.


Starting Scores 11/12/2012 EX - 590, EQ - 584, TU - 601
FICO Scores as of 02/06/2014 EX - 687, EQ - 659, TU - 697
BK 7 Discharged Oct 2010, In my wallet: NFCU VisaSiggy $26K; NFCU GoRewards $10K; NFCU Navcheck $15K; Star Furniture $5K, Conns Credit $7K, GE (Ashley Furniture) $1K, GE (Rooms to Go) $3K, Barclay Arrival MC $3K; PWFCU Visa $2.5K; Cap1 Quicksilver1 $2K; Chase Freedome $500; Cap1 Secured $500
Highlighted
Valued Member
Posts: 29
Registered: ‎06-27-2013
0

Re: Need some medical bill PFD advice

thats sweet...I hope i can have some luck..I think i'm going to call them.

Starting Fico scores 6/29/1013
Experian 584 / Equifax 639 / TransUnion 598
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 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.

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.