06-01-2008 02:42 PM - edited 06-01-2008 02:44 PM
I'm guessing they went after me since our insurance is in my name. I don't mind paying them off, but I hate that two collections are impacting my score that aren't really mine. It's also irritating that the OC made no effort to contact us or send us a bill.
I live in TN so the SOL is 6 years so I can't just do nothing. Am I able to DV both collections (dentist and doctors office visit) and if validated as my wife's charges have them removed as not mine? Of course I would pay them so as not to impact my DW score either.
I made an initial effort to try to pay the OC and have the pulled from the CA's. I tried calling the dentist and they won't talk to me about accounts turned over to CA's regardless of the reason. The doctors's office won't return my calls so I'm assuming they see no reason to talk to me either.
How should proceed with these? I'd like them paid/removed without hurting either of our score's?
06-01-2008 04:26 PM
06-01-2008 05:02 PM
IMO #3 applys!! first dispute each with this letter It says to send it CM but not RRR.........I would send it CMRRR!!
You dispute medical accounts this way:
Very truly yours,
Make sure you HAND ADDRESS the envelope, use personalized stationery and purple or teal font, ( preferably italic).
And remember NEVER TALK TO A CA!!!!!
The new HIPAA law says that the CRAs MUST contact the OC on all medical disputes now
06-02-2008 10:24 AM
Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!
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.
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.