help with collection 465yc00000!!!

[Anonymous]

Hi, I'm new with this and I would love some help!!!. I try to take care of my score so I got really frustrated today when I found out that I have a collection on my Equifax report for $70 dollars from this company 465yc00000 from 2006. I have no idea what this is. Also nobody tried to contact me about this debt ever!!. It doesn't show the company name or contact info. I already wrote a letter to Equifax. I know there some other people on this forum with the same problem so I would really love if anybody can help me out with what steps should I follow in order to fix this. It's affecting my credit score greatly. Thank you guys so much

[Anonymous]

It's a medical collections.

 If you check or pull a copy of your report from the CRA it's on, it will give you more information.

[miay2k4]

Read this thread:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=43442&query.id=430...

[Anonymous]

I'm so lost!!! This is what it says. I'm waiting for monday so I can call Equifax and find out more...

Collection on debt to: Not on Record

The collection agency "465yc00000" was hired to collect a debt of $70 originally owed to "Not on Record" on account number "XXX4920".

Collection agency [?] 465yc00000 Original balance [?] $70 Current balance (as of Nov 01,2006) [?] $70 Status (as of Nov 01, 2006) [?] Unpaid Date assigned [?] Jul 01, 2006 Date reported [?] Nov 01, 2006 Date last active [?] Dec 01, 2005 Original lender [?] Not on Record Account number [?] XXX4920 Account holder [?] Individual

Thanks for helping me!!!

[haulingthescoreup]

Because of the privacy provisions of HIPAA, CA's for medical collections typically have names like what you see. They also don't reveal the original creditor. It wouldn't be any big deal to show "S. Jones, M.D.", but if it said "Eastern State HIV Specialists", for instance, it would be serious lawsuit time.

$70 sounds a lot like a co-pay that wasn't made or recorded, plus fees tacked on. You should be able to get the real name of the original creditor (which might be a medical billing office) from the full credit report that you get from the CRA. With medical collections, always go to the OC first. medical people are more likely to retain ownership of the account, and if they will take your PFD (if warranted), they should be willing to pull the account back from the CA, and you're in good shape.

[Anonymous]

Thanks so much. I'll try to find out because I don't really remember this... But let me see if I get this right : PFD is pay for delete right? so you are saying I should go to this medical office and pay the $70  and they will delete this collection record on my account?? At this point I don't even care if I have to pay that as long they take that out from my record. I'm so frustated right now because I had no idea about this and nobody ever contacted me at all requesting payment and I don't think is fair

To find out about this bill should I call Equifax? Will they give me the name of the company or hospital?

                                Thank you.

[haulingthescoreup]

With a PFD, make sure that you get their acceptance in writing ahead of time, agreeing to your payment in exchange for pulling the account back from the CA AND removal of any negative reporting for the credit bureaus.

I think that you have to buy the report to get the full information. It's usually around $10, and you can get it online at the CRA website. Need to make sure that you'll get the info you need:

Veteran CA warriors, will OP be able to get the name/ address/ phone of the OC with an online full credit report?

Message Edited by haulingthescoreup on 02-02-2008 02:19 PM

[Anonymous]

Thanks again, I'm still kinda lost!!! I've tried to find the letter for the PFD I couldn't find it. I'm also thinking should I request a DV from them?. At this point I just wanna take the faster way to fix my score and it's only $70 so I don't mind paying if this is gonna help my situation. It's just that I really wanna make sure they take it out of my record and I swear I feel I'm in lalaland with all this.

 Thank you so much for your patience, help and instruction!!!! I'm learning a lot but it's gonna take me awhile to get used to all the terms and stuff...

                                       Have a great weekend everybody!!!

[haulingthescoreup]

Check for "Frequently Requested Threads." It's stickied at the top of most of the boards here. There is at least one thread included in there that deals with PFD's, and it has sample letters.

Since you are appealing to the OC, if you don't see a PFD designed for that, you might want to tone down any anger that you read in the samples. With medical collections, you are essentially trying to ally yourself with the OC, and cut the CA out of the loop.

[Anonymous]

Thanks! I found this letter is that ok?. What should I change?  Should I send it to the CA or the OC? Should I say that I agree or dispute the amount (whatever is faster)?

Collection Agency
1212 Maple St
City, State Zip

Re: Collection Account for Original Creditor Account #: 00000xxxx

Amount: $25.00

To Whom It May Concern:

This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number, as I have never heard from you regarding this account. The account number I have is the one listed on my Experian credit report – which omits the last few digits.

In the spirit of compromise, I am willing to pay this account IN FULL (or settlement percentage) if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.

If you agree to the terms and accept this agreement, certified funds for the settlement amount of twenty-five dollars ($25.00) will be sent to Collection Agency in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.

Collection Agency agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, Collection Agency will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account.

If you agree to the above terms, please prepare a letter on your company letterhead explicity agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of Collection Agency. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state.

Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.

Please address all correspondence regarding this account to:

You
123 Any Street
City, State Zip