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astsmj3
Established Member

Question

I have 3 medical bills in collection...before finding this site, I had to pay 50% of one so the doctor would see me...I called the hospital today and asked if I could pay the money to them and if they would take it back from the co, she said yes.  How will this look on my credit report when I do pay them? Will the co accounts be gone or just showing paid? Depending on the answer, I will send good will to the hospital when I send payment?

 

thanks Smiley Happy

Message 1 of 7
6 REPLIES 6
Jutz
Valued Contributor

Re: Question

Sounds like your debt was just assigned, as is common in medical collections.  If I'm understanding the situation, they will have the accounts deleted from your credit report, i.e. best case scenario.  Make sure you have that answered clearly, and congrats!

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Message 2 of 7
Shogun
Moderator Emeritus

Re: Question

I agree with Jutz.  Hopefully they will delete.

 

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Message 3 of 7
newportguy
Frequent Contributor

Re: Question

You need to get all this in writing


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Message 4 of 7
Jutz
Valued Contributor

Re: Question


@newportguy wrote:

You need to get all this in writing


As a best case scenario, yes, but it wouldn't stop me from paying it if they refused.  Some are hesitant to put the deletion in writing because of their agreement with the CRAs. Luckily I'd assume the OC is much more likely to put it in writing since they don't directly deal with the CRAs and just make a request of the CA they have a relationship with.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
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Message 5 of 7
newportguy
Frequent Contributor

Re: Question


@Jutz wrote:

@newportguy wrote:

You need to get all this in writing


As a best case scenario, yes, but it wouldn't stop me from paying it if they refused.  Some are hesitant to put the deletion in writing because of their agreement with the CRAs. Luckily I'd assume the OC is much more likely to put it in writing since they don't directly deal with the CRAs and just make a request of the CA they have a relationship with.


I understand, I am like you, if i owe someone i am goign to pay them.........GOOD LUCK and  i hope it all works out for you


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
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Message 6 of 7
annielorie
Valued Contributor

Re: Question

I had this exact thing happen with me. Most CA's will delete as they do many dealings with the docotr/hospital in question and want further business. Its not like most people know to try and pull back from the CA their collections.


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