unpaid medical collection from 2006

getit2gether · ‎08-22-2012

does anyone have any advice on how i can get a medical collection off of my credit reports from 2006?

its $1079. The OC shot down my pfd letter and the collection agency has not responded to my letters.

please help

AndySoCal · ‎08-22-2012

The OC is not the one reporting the debt the collection agency is the one that is reporting. PFD letters are better suited for collection agencies. Ask the OC if thye own the debt or if thye have sold it to the collection agency. If they own the debt ask if you wre to pya the account in ful will thye recall the debt from the collection agency. See what the response is.

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getit2gether · ‎08-22-2012

thank you so much.

XxRaVeNxX · ‎08-23-2012

Isn't this collection going to come off your report next year?

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getit2gether · ‎08-23-2012

yes but I would like to buy a house within the next few months. need all of the help that i can get.

breezyBr · ‎08-23-2012

Use the HIPAA Process* (Google it).

It will only work if you mail full payment to the OC (Hospital, Dentist, etc...) with the correct letter and inserts.

I was so confused on having my medical collection removed I sent a PFD to the CA. Then the CA sent notice to the OC, in which the OC contacted me. So I told the OC I can only communicate by mail.

Two weeks after I mailed my full payment to the OC, my medical collection was gone and my Equifax FICO went from 657 to 732**.

**(It'd be higher if I didn't have high revolving credit card debt of 78% from my last report, which is down to 68% as of today. Your score will probably be higher if you dont have a high CC debt like mine)

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melbaro · ‎08-24-2012

Aren't you NOT supposed to pay this. From what I've read, CA are attempting to collect on a "written off" debt.

I would research before doing anything OP.