topic Re: Medical Collection in Rebuilding Your Credit

Medical Collection

Anonymous — Tue, 25 Nov 2008 20:27:20 GMT

I have a collection showing on my CR from a CA that I would like to have removed. My son had to have stitches and was taken to an Urgent Care Clinic. Shortly thereafter, I moved out of state. We were insured by BC/BS under the federal employee program. The Urgent Care Center kept sending the bill to the wrong division at BC/BS and after over a year it was turned over to a CA.

I did not receive a collection notice form the CA. I pulled my CR and saw it, contacted them and paid the bill in full.

How can I have this removed from my CR? I have seen post here about the HIPPA regulations, but I am not sure what that is. The original incident happened over 2 years ago.

Re: Medical Collection

Anonymous — Tue, 25 Nov 2008 21:12:15 GMT

Hi Danell

Go to the thread for medical collections. You want to start by opting out as it says. The first thing you are going to mail is the pre hipaa dispute letter to the CRA (step 3). Make sure you follow the directions closely by using special paper and font ( I hand wrote mine). In my opinion this is the most important part so that hopefully a real person will review the dispute instead of the machine. It doesn't matter that you paid the CA. Just follow the steps listed. Good luck and let us know how it goes.

Re: Medical Collection

fused — Tue, 25 Nov 2008 23:18:59 GMT

I agree with love2golf! GL, Danell!

Re: Medical Collection

Anonymous — Fri, 12 Dec 2008 04:25:54 GMT

fused,

I'm new to the forums and was getting a little discouraged about having a medical collection deleted...until I came across your posts on the HIPAA letters. My total total bill was $343....I actually paid $100 before the collection hit my CR and then I paid the remaining $243 on 12/1. The thing is only 1 CRA is reporting (Equifax). My score was at 715 and I took a 35 point decrease.....now 680.

I didn't see these post until after I PIF....so my question is will the HIPAA letters still work if I have already paid??. I see there are several scenarios after the first letter is sent. Scenario 1 states : If the CRA verifies your unpaid (and in rare instances, paid ones too) med collection and the reporting CA provides a complete and accurate validation of the account. Use insert A and pay with a cashier’s check and use the restrictive endorsement on the back of the check,

We'll if I've paid the CA, why would I come out of pocket again to pay the OC?

Just trying to understand the process and what to expect before I do it. Thanks in advance for your reponse.

Re: Medical Collection

Anonymous — Fri, 12 Dec 2008 05:58:10 GMT

If I could get my medical bills erased my credit wold be okay