^ Ouch. Sorry to read about the score penalty. You're on the right path, though. You paid off your debts which is a major accomplishment. Keep up the saturation technique. You've made contact and have their information. This is a little setback but we see you have determination. Hopefully, these lenders will reward you in kind.
For your medical bill, was it a PFD Pay For Delete?
For future reference, if you have medical issues:
From our Mod gdale6:
1. Call the OC and see if insurance can be billed, (or-rebilled), collections ultimately paid by insurance get removed per new rules that came from CRAs settlement with 22 state AGs. If not then
2. see if you qualify for Charity Care, if not then
3. ask that they recall the collection in exchange for full payment
4. Send the reporting CA a PFD offer
5. Google the HIPAA Process and contact its creator for help, this process cannot be discussed in any forum of myFico.
Also, to save yourself a few dollars, go to creditchecktotal.com for $1 (part of Experian). Cancel in 7 days or less to avoid reoccurring charge.
@Anonymous wrote:Ok I am SOOO confused at the moment. I got a my fico notification today that my score dropped 53 points. I originally thought it was the credit union updating information? But after more review it appears that was not the case. I had 1 collection medical bill of $96 dollars that I just paid a couple of days ago. My fico states that the $96 collection turned into $3,434. So I called Transunion and they didn't have info. I then called the credit collection company and they said they had no record of this, so frustrated I paid My Fico for an updated $15 transunion pull and it doesn't show that info at all and now shows my score up at 619. **bleep**!
If you are getting your notification from myFICO.com, from what I've read, sometimes the alerts, messages aren't associated with the score change. You'll have to go line by line to see what has changed.