I'm guessing they went after me since our insurance is in my name. I don't mind paying them off, but I hate that two collections are impacting my score that aren't really mine. It's also irritating that the OC made no effort to contact us or send us a bill.
I live in TN so the SOL is 6 years so I can't just do nothing. Am I able to DV both collections (dentist and doctors office visit) and if validated as my wife's charges have them removed as not mine? Of course I would pay them so as not to impact my DW score either.
I made an initial effort to try to pay the OC and have the pulled from the CA's. I tried calling the dentist and they won't talk to me about accounts turned over to CA's regardless of the reason. The doctors's office won't return my calls so I'm assuming they see no reason to talk to me either.
How should proceed with these? I'd like them paid/removed without hurting either of our score's?
IMO #3 applys!! first dispute each with this letter It says to send it CM but not RRR.........I would send it CMRRR!!
You dispute medical accounts this way:
Very truly yours,
Make sure you HAND ADDRESS the envelope, use personalized stationery and purple or teal font, ( preferably italic).
And remember NEVER TALK TO A CA!!!!!
The new HIPAA law says that the CRAs MUST contact the OC on all medical disputes now
Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!