Boy I wish I had visited here a year ago. I'd be way ahead of the game. I never knew about PFD. I had a hospital visit co-pay ($100) that went to collections because the hospital did not have my correct address and I was not getting the bills. I was not aware of it until I got a credit monitoring alert. I called the CA and gave them my address, asked them to send me a statement and paid it off. Its showing as paid on my CR. I am not sure what, if anything I can do about it at this point. Obviously, i wish I would have paid the hospital directly, or paid the CA with PFD arrangement.
Is there anything I can do at this point about removing it? Should I dispute it on my CR? I don't think the HIPAA letter process will help me at this point because I already paid the CA, but if anyone has a suggestion it would be appreciated.
