Hello,
I have a medcial collection from Transworld System (OC is my local hopital) for ~$1,000 that started reporting in 2017 and I paid it in full in 2020. I recently started using the VA for healthcare and I was informed that I was enrolled and eligible for health care in 2008. I've read that any medical collections paid by insurance must be removed, but since I personally paid this, I don't know if I have any recourse.
Any ideas or tips to get this collection removed?
Thanks!
@jayhawk05 wrote:Hello,
I have a medcial collection from Transworld System (OC is my local hopital) for ~$1,000 that started reporting in 2017 and I paid it in full in 2020. I recently started using the VA for healthcare and I was informed that I was enrolled and eligible for health care in 2008. I've read that any medical collections paid by insurance must be removed, but since I personally paid this, I don't know if I have any recourse.
Any ideas or tips to get this collection removed?
Thanks!
Not exactly. The law was changed on reporting medical debt to be that it cannot be reported until 6 months after the date of service to give insurance time to pay, appeals etc. so that patients are not penalized when the process takes longer than 3 months sometimes. There is no requirement they delete an accurate paid tradeline simply because it is medical debt. Your best option is to try goodwill with the CA that is reporting.
FICO 9 weighs medical debts in collections less heavily than other types of debts and ignores paid accounts in collections entirely. You can try GW's for older FICO scores as @Cowboys4Life posted.
If you can get them to pay that bill then the OC would owe you a refund. I would contact the VA on this. Since it would be paid by insurance then they would have to remove the collection.
