None, according to my records.
Up until May, 2008, I was on my father's medical/dental insurance. According to my records, the only time I saw a doctor during the '04-'08 period was during an E.R. visit. I assume everything was covered by insurance as I paid nothing at the hospital and I never received any correspondence. Is it possible that if there were a bill it would have been sent to my dad? To be frank, I doubt he would have told me about the bill or have given it to me. And if it were addressed to him, it's possible that it wound up straight in the garbage can without a second thought. I was not a minor at the time so I understand my obligation to pay if there was a debt incurred. However, would I be able to dispute it because I never received notice of it (or it was possibly sent in my dad's name)?
Thanks 
@Anonymous wrote:None, according to my records.
Up until May, 2008, I was on my father's medical/dental insurance. According to my records, the only time I saw a doctor during the '04-'08 period was during an E.R. visit. I assume everything was covered by insurance as I paid nothing at the hospital and I never received any correspondence. Is it possible that if there were a bill it would have been sent to my dad? To be frank, I doubt he would have told me about the bill or have given it to me. And if it were addressed to him, it's possible that it wound up straight in the garbage can without a second thought. I was not a minor at the time so I understand my obligation to pay if there was a debt incurred. However, would I be able to dispute it because I never received notice of it (or it was possibly sent in my dad's name)?
Thanks
Credit report tradelines where the original creditor and / or collections agency is not clearly identified usually signify medical collections.
Never having received notice does not by itself create dispute eligibility, unfortunately. If you believe the debt is not yours, you can dispute it. If the CRAs come back and refuse to delete it, then you might want to work at finding out who exactly the OC and / or CA is and contacting them for additional information. I'm not 100% positive, but I think if you call the CRAs or write to them they will tell you the contact details for the OC / CA.
