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Credit Cards in Collections Question / and Medical bill question

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o1977
New Contributor

Credit Cards in Collections Question / and Medical bill question

I have a credit card that has gone to collections.  Both the credit card and the collections are showing up on my credit reports.  So I am getting dinged twice on my CRs for the same debt.  Is there anyway to get one removed?  I have disputed it once but it still remains. 

 

Also, I have what looks like a medical bill listed on my report.  How do I find out what company this belongs to so I can pay it?  It looks like this on my Equifax (and since it is on Equifax and the DOLA is Nov 1, 2004 does that mean it will fall off this year on Nov 1 since that is 7 years?):

 

The collection agency "401yc00000" was hired to collect a debt of $245 originally owed to "Not Reported" on account number "XXX1910"

 

Collection Agency:  401yc00000

Original Balance:  $245

Unpaid Balance:  $245

Status:  Unpaid

Date Assigned:  Nov 1, 2007

Date Reported:  Feb 1, 2008

Date of last active:  Nov 1, 2004

Date paid:  Not Reported

Date closed:  Not Reported

Original lender:  Not reported

Account number:  XXX1910

Type of Account:  Not reported

Account holder:  Individual

Type of Credit: Not reported

Equi:
4/9/10 = 521
8/3/10 = 564
9/16/10 = 578
11/7/10 = 612
11/24/10 = 641

Message 1 of 3
2 REPLIES 2
BrandonSS
Frequent Contributor

Re: Credit Cards in Collections Question / and Medical bill question

Credit card: 

 

If the CC is now sent to a CA then they will both report.  However, if the CC shows a balance then it is likely that the CC still owns the account and you can try to deal with them and get the CA removed.   If the CC shows a $0 balance, then you need to deal with the CA and the CC derog will be there unless you manage to PFD.

 

Med bill:

 

You need to get your actual report from www.annualcreditreport.com or from the actual CRA.  There will be a list of contacts at the bottom with every account in your report. 

 

DOLA is not what the 7 or 7.5 years goes from.  It goes from DOFD.  And even if it were, this November would be 6 years (2010). 

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Message 2 of 3
o1977
New Contributor

Re: Credit Cards in Collections Question / and Medical bill question

Thank you so much BrandonSS!  That information was very helpful!  I will work on the CC and get my credit report. 

 

Also, I guess I am living in the future - I don't know why I thought 2011 would be this November, but you are correct! 

 

I appreciate the help!

Equi:
4/9/10 = 521
8/3/10 = 564
9/16/10 = 578
11/7/10 = 612
11/24/10 = 641

Message 3 of 3
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