Credit Card Center Advertiser Disclosure

New Member
Posts: 3
Registered: ‎05-19-2009
0 Kudos

Unpaid Ambulance Bill - account sent to collection, now affecting my credit score


My credit is okay : recent FICO 740 but I have a medical account in collection that I am disputing.


I just received notice that two different credit card accounts have had credit lines decreased in the last month and I'm afraid this collection action is negatively affecting my credit. I've posted a version of this in the general question section.


my collection account is a small amount ($1k) but I have refused to pay for the following reasons:

I was in an accident and taken by ambulance to a hospital 50 miles away. The ambulance company never billed my insurance, which would have paid if they had billed within 2 years. After making no attempt to bill my insurance the ambulance company sent me to collection. To this day, three years after the accident I have not received a single bill from the ambulance company, I only discovered this charge when I obtained my credit



I have not contacted the CA and have not requested a debt validation from them.


The collection agency has not contacted me AFAIK. I own a business and my staff fends off several dozen unsolicited salesmen/scam artist calls a day, some of which could be this agency attempting to contact me. I have not received anything in writing from them. I dont answer unknown calls at home or on my cell phone


When I found out about the collection action in September 2008, I contacted the ambulance company, part of a rural town's fire department, I was told that bills had been sent to the site of the accident! (a rural gas station at an interstate interchange) This despite the fact that they had my insurance information. I was unconscious at the time the abmbulance came, but I was told that  the paramedics looked in my wallet for my insurance card. Twenty other medical entities managed to send me bills to my home address for costs associated with accident 

The ambulance company said they had nothing to do with the charge anymore and I should contact the collection agency directly. I did not contact the but did dispute the collection with Equifax, which was the only Credit report showing it at the time.


After a month I got a form letter from Equifax saying it was a valid charge and that the dispute was closed. That was in October 2008. Unfortunately I got busy with other things and ignored the problem until now.



What are the best steps to take to remove this collection action from my credit report? I am willing to pay it if that will improve my credit. I will be refinancing my home mortgage within the next few years and I want to have "perfect" credit at that time.


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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.