I just received a notice in the mail from Recoveri for a debt I'm about 90% sure is mine for an emergency room visit last year that I was under the impression my insurance covered, but this is the first I'm hearing of it - never received anything from the original creditor. Original creditor is: Us Acute Care Solutions.
This has not shown up on any of my credit reports as of yet, and it states I have until 8/1/24 to request validation, dispute, or obtain the name and address of the original creditor. There is also an offer to pay 20% off of the amount to resolve the account. The amount is $985 if that plays into a DP as far as the questions below go.
- My questions are what would be the best next steps.
- Should I dispute and wait for them to prove the debt to be mine?
- Is there a possibility of paying this before it is reported to the bureaus? I really don't want to deal with a collection and risk another tarnish for 7 years.
- I've read that medical debt no longer affects credit score, but never been absolutely positive that is true. If so, does this fall into that category?
Any and all advice appreciated!
@MissLiz Thanks! I reached out for info via their website, and am waiting on a reply.
I did also see this while trying to do some research. Apparently the CFPB is attempting to ban all medical debt from being reported to the bureaus. Looks like back in 2023 they implemented some stops as well to greatly limit medical debt being reported on credit reports, how lenders are allowed to view it - and apparently anything under $500 already won't be reported, however all paid medical debts must be removed from credit reports already back in 2022.
