Medical Collection Reporting as Revolving Account - Help!

[Mommyto2boys]

Hello,

Please help!  My scores are below.

TU - 634

Experian - 640

Equifax - 570

I have 2 medical collections on all 3 reports but they are reporting as a revolving account instead of in the collections section on the equifax report. Each month my score is getting dinged because it is factoring it as another late payment on revolving account instead of as an old medical collection. What do I do?

I am currently drafting the PreHipaa letters for these 2 medical collections.  Will that take care of it?  Can I call Equifax and see if they will move it to the collections section until the Hipaa process is over because my score continues to tank?  Please Please help!!!

[fused]

Welcome to the forums! Before you send any letters, can you please copy/paste this account's info in this thread? I need to see who the original creditor is and who is reporting this, along with the type of account and it's status.

[Mommyto2boys]

Thanks for responding.  Here is the requested info. Let me know if you need anything else!

The CA is MedClear Inc.

507 Prudential Rd

Horsham, PA-190442308

(800) 541-2742

The OC is Emcare Rsn Emergency Physici 

INC

 It is listed under the open revolving accounts section with my open accounts (Cap One, Sears etc).  Also, I looked on the MyFICO Credit Simulator and the amounts are factored into the revolving debt balance. 

Credit Account Account opened in Jan 0001

Status as of [?] Dec, 2008 Date opened [?] Not Reported Date of last activity [?] Mar, 2005 Date closed [?] Not Reported Account number [?] Not Reported Loan type [?] Not Reported Largest past balance [?] $198 Terms [?] Not Reported Account Type [?] Open Account Account holder [?] Individual Scheduled payment amount [?] $0

Descriptions [?]

• Medical
• Collection account

Balance [?] Current Status [?] Past Due Amount [?] $198 120+ days past due $198

Credit Account Account opened in Jan 0001

Status as of [?] Dec, 2008 Date opened [?] Not Reported Date of last activity [?] Mar, 2005 Date closed [?] Not Reported Account number [?] Not Reported Loan type [?] Not Reported Largest past balance [?] $26 Terms [?] Not Reported Account Type [?] Open Account Account holder [?] Individual Scheduled payment amount [?] $0

Descriptions [?]

• Medical
• Collection account

Balance [?] Current Status [?] Past Due Amount [?] $26 120+ days past due $26

[fused]

This type of collection should not be report as a revolving trade line, this is a clear violation of the:

FDCPA's § 807 False or misleading representations

(2) The false representation of—

(A) the character, amount, or legal status of any debt

But we will hold off on this until a later time, let's concentrate on the HIPAA process. Can you pay the collections in full if you have to?

[Mommyto2boys]

Yes, paying in full isn't a problem. I already have the Pre-HIPAA letters drafted and was waiting to mail out until I heard back from this post as I didn't want to jump the gun.  From reading the other posts it appears the HIPAA process can be lengthy.  Is there a way I can get it moved to the collections section while I am working on the HIPAA process?  It is causing my score to tank and we are looking to buy a home? If not, that is fine too. Just let me know what is the best course of action.  Thanks for your help, it is greatly appreciated.

[fused]

The HIPAA letter process should be used by it's self to fix your score problems. I do not advise disputes or DV letters outside of the HIPAA letter process at this time.