topic Re: Medical Collections in Recovering from Medical Debt

Medical Collections

Anonymous — Mon, 11 May 2009 15:09:15 GMT

I have 2 Unpaid Medical Collections that are bringing my score down. One is for $65.00 and the other is for $155.00

I dont mind paying them off in full but I also want the collections removed from my credit reports. How do I go about doing this?

Re: Medical Collections

Anonymous — Mon, 11 May 2009 17:26:23 GMT

Use the HIPAA process from the beginning! Do not miss a step. and when making payment to the OC be sure to use the restrictive endorsement.

Re: Medical Collections

Anonymous — Mon, 11 May 2009 17:29:19 GMT

I am not sure how to do this...

Below is what is on my scorewatch report:

Collection on debt to: Not Reported
The collection agency "682yc00000" was hired to collect a debt of $67 originally owed to "Not Reported" on account number "XXXX9543".

Collection agency [?] 682yc00000
Original balance [?] $67
Current balance [?] $67
Status [?] Unpaid
Date assigned [?] Mar 01, 2007
Date reported [?] Sep 01, 2008
Date last active [?] Mar 01, 2006
Date paid [?] Not Reported
Date closed [?] Not Reported
Original lender [?] Not Reported
Account number [?] XXXX9543
Type of account [?] Not Reported
Account holder [?] Individual
Type of credit [?] Not Reported
Payment status [?] Not Reported
Largest past balance [?] Not Reported
Amount past due [?] Not Reported
Account descriptions [?] Not Reported
Collection on debt to: Not Reported

The collection agency "682yc00000" was hired to collect a debt of $151 originally owed to "Not Reported" on account number "XXXX7266".

Collection agency [?] 682yc00000
Original balance [?] $151
Current balance [?] $151
Status [?] Unpaid
Date assigned [?] Apr 01, 2007
Date reported [?] May 01, 2007
Date last active [?] Mar 01, 2006
Date paid [?] Not Reported
Date closed [?] Not Reported
Original lender [?] Not Reported
Account number [?] XXXX7266
Type of account [?] Not Reported
Account holder [?] Individual
Type of credit [?] Not Reported
Payment status [?] Not Reported
Largest past balance [?] Not Reported
Amount past due [?] Not Reported
Account descriptions [?] Not Reported

I dont even know where to start! I dont know what company this is or anything!

Message Edited by MyFicoAddict on 05-11-2009 10:29 AM

Re: Medical Collections

Anonymous — Mon, 11 May 2009 18:00:12 GMT

You have to pull your CR from the CBs direct or https://www.annualcreditreport.com/cra/index.jsp (if you haven't gotten your free CR for the year)

3rd party pullers can not show medical info. The CBs must mask the medical providers info. It will be on a CR that you pull from the CB.

You might be able to get the info. by calling the CB.

Re: Medical Collections

Anonymous — Mon, 11 May 2009 18:53:59 GMT

Thank you Happy Days!

I found who the collection is - its NCO Financial.

I am about to write the Pre-HIPAA Letter as you suggest in your very helpful thread located above... and I was wondering if you know the Credit Reporting Agencies Addresses where these letters should be addressed?

Re: Medical Collections

Anonymous — Mon, 11 May 2009 18:57:34 GMT

Also, DO i have to do the Pre-HIPAA letter? I do know what these collections are for, is there any way I can get the collections agency to delete from my Credit Report if I agree to pay them?