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Established Member
Posts: 14
Registered: ‎03-22-2007
0

Paying old hospital bill collections on CR

Hello!
I owe $125  and $100 for old hospital bills. They are appearing on my CR under collections.
If I need to use a letter along with my payment, which letter should I use?
Do I use PFD, GW?
 
Also, once paying the collections (been on my CR since 2004), should I expect an increase in my credit score? The reason I ask is that I paid a collection around March of this year and my credit score went up 10pts which I was very surprised but excited at the same time.
 
Thank you all in advanced.
 
1/2/08 TU: 625 (634 as of 4/21/08) EX: 568 (586 as of 4/1/08) EQ: 645
Established Contributor
Posts: 610
Registered: ‎08-01-2008
0

Re: Paying old hospital bill collections on CR

You'll want to follow the HIPAA process outlined on several threads TO THE LETTER.  Essentially:
 
** DO NOT COMMUNICATE WITH THE CA **
 
1. Send Pre-HIPAA letter to CRAs reporting the CO.
2. After validation, send HIPAA letter to OC with proper insert (usually if you're paying it, #1.)
3. Wait for deletion. If the check has cleared and you haven't seen your CO deleted within 30 days, post here again.
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
Established Contributor
Posts: 610
Registered: ‎08-01-2008
0

Re: Paying old hospital bill collections on CR

This thread contains the letters...
 
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
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