topic Re: How to handle 2 medical collections. in Rebuilding Your Credit

How to handle 2 medical collections.

Anonymous — Sat, 01 Apr 2017 23:37:46 GMT

I have 2 medical collections left on my transunion report for ekg interpretations. 84, and 85$. When i tried calling the business to straighten these out, I find out they are out of business, though they are still with collection agencies.

These should have been covered by insurance, I've had 4 other collections removed already by talking to the doctors offices. I'm at a loss as to what to do here. How do i dispute these to get them removed?

Do i send a dispute directly to the CRA stating the business is no longer running and I can't validate the debt? Do i send a validation to the CA? Any help would be greatly appreciated. Thanks in advance. Dv

Re: How to handle 2 medical collections.

Anonymous — Sat, 01 Apr 2017 23:49:03 GMT

Google "WhyChat HIPAA" and follow the process. I imagine they will be deleted rather quickly.

Re: How to handle 2 medical collections.

Anonymous — Sun, 02 Apr 2017 00:00:22 GMT

I read that method but doesn't it include contacting the origibal creditor? They went out of business so that's impossible for me....

Re: How to handle 2 medical collections.

medicgrrl — Sun, 02 Apr 2017 00:06:28 GMT

How old are the collections? Are the CA's updating every month?

Re: How to handle 2 medical collections.

Anonymous — Sun, 02 Apr 2017 00:23:12 GMT

They are from 2013 and no they are not reporting.

Re: How to handle 2 medical collections.

Anonymous — Sun, 02 Apr 2017 00:24:37 GMT

The collection agency is Conrad Credit Corp

Re: How to handle 2 medical collections.

Anonymous — Sun, 02 Apr 2017 01:13:02 GMT

@Anonymous wrote:
They are from 2013 and no they are not reporting.

You asked for help for removal... removal from where?

Re: How to handle 2 medical collections.

Anonymous — Sun, 02 Apr 2017 01:31:56 GMT

Not to be rude but since I explained in my post that it was on my Transunion report and that I've had four collections removed already that this would be pretty obvious, since it isn't,

I would like to get them removed from my reports since they shouldn't be there to begin with. Since I'm unable to contact the original creditor I dont know how to proceed.

Re: How to handle 2 medical collections.

Anonymous — Sun, 02 Apr 2017 01:58:03 GMT

@Anonymous wrote:
Not to be rude but since I explained in my post that it was on my Transunion report and that I've had four collections removed already that this would be pretty obvious, since it isn't,

I would like to get them removed from my reports since they shouldn't be there to begin with. Since I'm unable to contact the original creditor I dont know how to proceed.

Oh, I see you meant they aren't updating every month.

(Mod Cut-Im sorry the HIPAA Process cannot be explained in any detail in any forum of myFico, we are limited to suggesting that someone Google it and contact its creator for help. Thanks for your understanding on this)

Re: How to handle 2 medical collections.

RobertEG — Sun, 02 Apr 2017 02:10:19 GMT

I would suggest approaching the collections as having been reported by a debt collector that no longer has collection authority based on showing that they are no longer in business.

That will permit you to get the collection deleted based on the CRA policy that a debt collector delete their reported collection if the debt remains unpaid and the debt collector no longer has active collection authority.

What proof do you have showing that the debt collector no longer has active collection authority?

Re: How to handle 2 medical collections.

Anonymous — Sun, 02 Apr 2017 02:54:08 GMT

@Anonymous wrote:
@Anonymous wrote:
Not to be rude but since I explained in my post that it was on my Transunion report and that I've had four collections removed already that this would be pretty obvious, since it isn't,

I would like to get them removed from my reports since they shouldn't be there to begin with. Since I'm unable to contact the original creditor I dont know how to proceed.
Oh, I see you meant they aren't updating every month.

(Mod Cut-Im sorry the HIPAA Process cannot be explained in any detail in any forum of myFico, we are limited to suggesting that someone Google it and contact its creator for help. Thanks for your understanding on this)

I did that, but he doesn't seem to understand why he should do it

Re: How to handle 2 medical collections.

medicgrrl — Sun, 02 Apr 2017 04:50:54 GMT

RobertEG, what proof would be sufficient for the OP to obtain? Something from the BBB or State showing it's no longer in business?

Re: How to handle 2 medical collections.

RobertEG — Sun, 02 Apr 2017 05:24:27 GMT

That would, in my opinion, be reasonable supporting basis.

Send the best proof, and let the CRA state what they might need........

Re: How to handle 2 medical collections.

Anonymous — Sun, 02 Apr 2017 13:14:42 GMT

Thanks for the information Robert, I guess I will just have to gather proof that they are no longer in business and send that in with my dispute.