topic Re: Pay the CA or the OC? in Recovering from Medical Debt

Pay the CA or the OC?

Anonymous — Wed, 22 Apr 2009 21:03:20 GMT

Just received a DV from a medical CA (Financial Control Services) - it's $100...whom should I pay - them or the the OC? Any form letters you can point me to for PFD letters? I've had SO many CA tell me that the couldn't do this, but I really just want to be done with this.

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800FICOwannabe
************************
04/22/09 - Experian Vantage Score (FAKO): EX - 595
04/21/09 - FICO scores: EQ - 711, TU - 642
04/01/09 - TU's TrueCredit (FAKOs): EQ - 605, EX - 643, TU - 632
02/28/09 - updated Tri-Merge: EQ - 699, EX - 651, TU - 571
08//01/08 - starting scores (Tri-Merge Morgtage Enhanced):
EQ - 607, EX - 556, TU - 534

Re: Pay the CA or the OC?

Junejer — Wed, 22 Apr 2009 21:24:13 GMT

Because you have a medical collection, you should use the HIPAA Process.

800FICOwannabe wrote:

Just received a DV from a medical CA (Financial Control Services) - it's $100...whom should I pay - them or the the OC? Any form letters you can point me to for PFD letters? I've had SO many CA tell me that the couldn't do this, but I really just want to be done with this.

************************
800FICOwannabe
************************
04/22/09 - Experian Vantage Score (FAKO): EX - 595
04/21/09 - FICO scores: EQ - 711, TU - 642
04/01/09 - TU's TrueCredit (FAKOs): EQ - 605, EX - 643, TU - 632
02/28/09 - updated Tri-Merge: EQ - 699, EX - 651, TU - 571
08//01/08 - starting scores (Tri-Merge Morgtage Enhanced):
EQ - 607, EX - 556, TU - 534

Re: Pay the CA or the OC?

Anonymous — Wed, 22 Apr 2009 21:33:56 GMT

The link you provided doesn't work. Can you point me to another link?

Re: Pay the CA or the OC?

Junejer — Wed, 22 Apr 2009 21:45:32 GMT

Well, that stinks!

Try this.

http://ficoforums.myfico.com/fico/board/message?board.id=medicaldebt&thread.id=557&jump=true

Re: Pay the CA or the OC?

Junejer — Wed, 22 Apr 2009 22:11:31 GMT

Moving thread to medical debt board.

Re: Pay the CA or the OC?

fused — Wed, 22 Apr 2009 22:27:44 GMT

Welcome!

Lets back up here. Did you ever dispute this med collection with the CRA(s)? If so, what happened? Is it on all three of your reports? How old is it? Can you afford to pay it off if you have to?

Re: Pay the CA or the OC?

Anonymous — Thu, 23 Apr 2009 13:29:04 GMT

Yes I disputed this with the CRA - several times over the last 6 months, but it's still there (Experian says that it's been validated) - which is fine b/c it's mine. It's only showing on Experian. It's only $100 so I can certainly afford to pay it and would do so YESTERDAY if they would consider a PFD. Should the PDF be sent to the OC or the CA?

************************
800FICOwannabe
************************
04/21/09 - FICO scores: EQ - 711, TU - 642
02/28/09 - updated Tri-Merge: EQ - 699, EX - 651, TU - 571
08//01/08 - starting scores (Tri-Merge Morgtage Enhanced): EQ - 607, EX - 556, TU - 534

Re: Pay the CA or the OC?

fused — Thu, 23 Apr 2009 18:01:00 GMT

PFD can be dangerous with med collections. Have you read the med collections and HIPAA letter process link in my sig line?