topic Re: 2009 medical bills? Question please ? in Rebuilding Your Credit

2009 medical bills? Question please ?

creditscoreEE — Thu, 09 May 2013 18:13:15 GMT

I have 3 medical bills from 2009 and I called the credit services send letters and they still won't accept PFD . Should I just pay these off or wait till they just fall off? Either way they won't remove it. He said counting from 2009 for 7 years they will delete it but that it would look better if it says paid in full.
I don't know how this could help my credit? My medical bills is what's hurting my score right now.

Re: 2009 medical bills? Question please ?

DaBears — Thu, 09 May 2013 18:15:59 GMT

When was the DoFD?

Re: 2009 medical bills? Question please ?

creditscoreEE — Thu, 09 May 2013 18:19:45 GMT

Sorry what does that mean?

Re: 2009 medical bills? Question please ?

DaBears — Thu, 09 May 2013 18:21:03 GMT

DoFD=Date of First Default. The very first time you stopped or missed a payment.

Re: 2009 medical bills? Question please ?

creditscoreEE — Thu, 09 May 2013 18:23:12 GMT

December 2009

Re: 2009 medical bills? Question please ?

DaBears — Thu, 09 May 2013 18:28:37 GMT

if they are small dollar amounts then I would pay them off. They will look better on a manual review showing paid in full rather than unpaid or paid for less

Re: 2009 medical bills? Question please ?

creditscoreEE — Thu, 09 May 2013 18:30:18 GMT

Well I had a libary collection which was 30$ I just paid off. The other ones are in 700's I am thinking about letting it fall off since they won't negotiate with me for PFD.

Re: 2009 medical bills? Question please ?

DaBears — Thu, 09 May 2013 18:34:37 GMT

fall off year will be 2016. the unpaid medical debt if still in the SOL=Statue of Limitations could come back and bite you. The could sue if not paid. what state are you in?

Re: 2009 medical bills? Question please ?

creditscoreEE — Thu, 09 May 2013 18:36:56 GMT

Is there any way to get them removed after being paid?I am on the state of Alaska. & I thought once they fell off there wouldn't be any problems.

Re: 2009 medical bills? Question please ?

DaBears — Thu, 09 May 2013 18:44:53 GMT

The CRTP=Credit Reporting Time Period is 7.5 yrs. Thats when unpaid or paid debt gets removed from your credit reports. It can't get relisted after that time. Unpaid debt will follow you forever so which ever collection agency gets it can still try to collect but cant list it back on your credit reports.

Re: 2009 medical bills? Question please ?

creditscoreEE — Thu, 09 May 2013 18:47:39 GMT

Okay I understand I will start making payments on my medical bills thanks for the advice.