Reply
Valued Member
Cobweb
Posts: 36
Registered: ‎06-07-2008
0

Re: Paying medical collections that are not reporting to CRAs

I am sending a letter today asking the OC for PFD on the 2 medical collections. If, however, they do NOT accept my request - do I try to send a check marked FOR DEPOSIT ONLY to them anyway? (I'm pretty certain the OC with respond by mail with - PAY THE CA.)

Dh and I are trying to buy a house within the next two months. I was trying to clean up loose ends when contacting the OC to pay off these 2+ yr old (previously non-reporting) collection accounts. I see now that I should have left them be, and paid them after closing on a house.

We really don't have time to work thru the HIPPA two letter process (that could take several weeks).

Any advice?
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
0

Re: Paying medical collections that are not reporting to CRAs

Paying might help you with respect to buying a house.I would post your mortgage concerns in that forum. As for paying the OC, you could try for a PFD. If they accept payment but don't delete, you'll have to intiate the letter process.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}