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I NEED HELP with a medical collection

Contributor

I NEED HELP with a medical collection

i have 3 more colletions left on  my credit report one which falls of next month the other i have sent a pfd letter the third is a medial collection for $850 i have no knowledge of at all, i called the creditor and they said they show the balance for september of 2008 and notes that report "patient left without paying" but they have no information about what procedure was performed and told me to contact the office directly, so i did...the receptionist said she doesnt have a file on me because they shreded all files from 2008 and and before...my question is can i call and ask for this to be removed...is there another way to handle this? if this was september it will fall off the report this year correct? any advice will be appreciated, thanks alot

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Message 1 of 4
3 REPLIES
Valued Contributor

Re: I NEED HELP with a medical collection

From what I know, if they can't prove it, the CRA's have to remove it. 


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Message 2 of 4
Contributor

Re: I NEED HELP with a medical collection

This is what i got from the coversation with the creditor he says they have the balance and statment and a letter sent out to me (my old adress) but no record of the procedure at all so do i call back and request for it to be removed or send a validation letter and wait for response...im not sure 

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Message 3 of 4
Moderator

Re: I NEED HELP with a medical collection

Send the reporting CA a DV with request for hospital billing. Do not dispute it, it will just come back verified if that CA still has authority to collect

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Debt-Validation/m-p/7133

 

If they can validate it then negotiate a PFD

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519


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Message 4 of 4