RADIUS GLOBAL SOLUTION and Experian - Urgent Advice Needed

[Anonymous]

Hi All,

Thank you in adavance:

I have a great credit score, or at least used to have 760-800... until a a few months ago I received a collection on my account from RADIUS GLOBAL SOLUTION in the form of $489 unpaid dentist debt, which I immeidetly picked up the phone, called RADIUS who confirmed that the collection will get deleted if I paid. The collection did get remove from my Equifax and TransUnion who both show 762 / 809 scores at the moment but my Experian report is still showing the collection and messing up my scores with 668 "Fair".

• Experian FICO8 score: 668
• Equifax FICO8 score: 762
• TU FICO8 score: 777

I called Experian on Monday, asking to dispute the collection and explained that as soon as I became aware I paid and RAIDUS said they will remove the collection, I just received an email that my dispute results are ready:

The information you disputed has been verified as accurate; however, information unrelated to your dispute has been updated. Please review your report for the details.

screenshot of the before/after dispute

Status was updated to: "Paid, was a collection account, insurance claim or government claim or was t... 

I don't see any difference here beside a comment that was added, do you?

What are my next steps to get that removed? am I better off trying to disptue again? do I contact RADIUS again? what if it doesn't help? is there any other outlet, professionals to contact that can help? I mean, I'm always on time with my debt, all my other accoutns and in good standing and this is really messing me up.

[lucknpat]

Well I would call Radius back and ask them why it was verified and not removed. Because they were contacted once you disputed it and they verified it as being paid. Other than that, you'd be waiting to see if it'll be removed.

[lucknpat]

I forgot to mention that medical debt that is paid or under $500 will be automatically removed by July of this year. So worse case scenario, you'd be waiting until EX removes it.

[Anonymous]

Wait, what???

is that really the case? If that's true I'm not worried at all about it.

[Anonymous]

Wow.. amazing news . If you have looming medical debts on your credit report, there's relief on the way. The three largest credit bureaus, TransUnion, Equifax and Experian are removing cleared medical debts from consumers credit reports beginning in July.

source: https://www.cnbc.com/amp/select/medical-debt-credit-report/

[lucknpat]

@AnonymousGlad I could help! You definitely sound relieved. 😀

[Anonymous]

releaved is an understatement.