Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011
Medical bill 2008

I need some help here. I have a medical bill from 2008. Its on a big $200. PDF GW. What to do. I would like to pay it,but I'm scared my Fico and credit score will be lower. Any suggestions. Thanks again Fico friends.

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Moderator
pizzadude
Posts: 8,659
Registered: ‎01-28-2010
Re: Medical bill 2008

 

The first thing I would suggest is to send a PFD request.    You pay, they agree to delete the account from your credit reports.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011
Re: Medical bill 2008
[ Edited ]

That's what I was thinking. Thanks Pizza you are the man. Anymore suggestions from anyone else. Do I pay first or get a letter from them first ?

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Established Contributor
2NE1
Posts: 995
Registered: ‎12-06-2011
Re: Medical bill 2008

 

is this "bill" a collection? have you tried paying to the OC? or is this being reported by a CA?


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
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Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011
Re: Medical bill 2008
[ Edited ]

Its a collection on my reports from a CA. I never tried paying back OC because I wasnt working.

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Established Contributor
2NE1
Posts: 995
Registered: ‎12-06-2011
Re: Medical bill 2008

Brian_Trying_700 wrote:

Its a collection on my cc reports.


From personal experience, I've had success getting UNPAID medical collections from 2008 and 2009 deleted off ALL 3 CRAs by sending the pre-HIPAA letters. Check your inbox! :smileyhappy:


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Regular Contributor
trix_r_4_kids
Posts: 184
Registered: ‎04-28-2012
Re: Medical bill 2008

2NE1:

Would you please PM me as well with info regarding pre-HIPAA letters?

 

Thanks :-)

I used to post my scores here. However, I'm prone to motion sickness and the ups and downs were nauseating.
Established Contributor
Lasardo
Posts: 738
Registered: ‎04-26-2012
Re: Medical bill 2008
Would love those letters also!
CS 728- 01/13 from 554-12/11
Goal: 800
Established Contributor
Lasardo
Posts: 738
Registered: ‎04-26-2012
Re: Medical bill 2008
Please please send them to me too!! Please !!!
CS 728- 01/13 from 554-12/11
Goal: 800
Established Contributor
2NE1
Posts: 995
Registered: ‎12-06-2011
Re: Medical bill 2008

@Lasardo I've already sent you the info weeks ago, check your inbox! :smileyhappy:

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012