Everything I mentioned was medical, it's all I have on my reports except 2 lates I am sending goodwill letters for (from years ago) and 2 charge offs that expire this year, so I'm not too concered with those. Here's a list of all my medical...theres about $2000 total but some of it I've never seen before, and I can only assume they are from insurance not being billed properly, because the time frames fall during times I was fully covered by medicaid. Here goes
NORTH AMERICAN CREDIT SERV
Date Reported: 05/2006
Date Assigned: 04/2006
Creditor Classification: Check Guarantee
Creditor Name: FAMILY HEALTH CENTER
Accounts Number:
Account Owner: Individual Account.
Original Amount Owned: $120
Date of 1 st Delinquency: 11/2005
Balance Date: 05/2006
Balance Owned: $120
Last Payment Date : N/A
Status Date: 05/2006
Status: D - Unpaid
Comments: N/A
NORTH AMERICAN CREDIT SERV
Date Reported: 05/2006
Date Assigned: 03/2006
Creditor Classification: Check Guarantee
Creditor Name: FAMILY HEALTH CENTER
Accounts Number:
Account Owner: Individual Account.
Original Amount Owned: $65
Date of 1 st Delinquency: 10/2005
Balance Date: 05/2006
Balance Owned: $65
Last Payment Date : N/A
Status Date: 05/2006
Status: D - Unpaid
Comments: N/A
NORTH AMERICAN CREDIT SERV
Date Reported: 05/2006
Date Assigned: 03/2006
Creditor Classification: Check Guarantee
Creditor Name: FAMILY HEALTH CENTER
Accounts Number:
Account Owner: Individual Account.
Original Amount Owned: $65
Date of 1 st Delinquency: 10/2005
Balance Date: 05/2006
Balance Owned: $65
Last Payment Date : N/A
Status Date: 05/2006
Status: D - Unpaid C
omments: N/A
NORTH AMERICAN CREDIT SERV
Date Reported: 05/2006
Date Assigned: 03/2006
Creditor Classification: Check Guarantee
Creditor Name: FAMILY HEALTH CENTER
Accounts Number:
Account Owner: Individual Account.
Original Amount Owned: $138
Date of 1 st Delinquency: 10/2005
Balance Date: 05/2006
Balance Owned: $138
Last Payment Date : N/A
Status Date: 05/2006
Status: D - Unpaid
Comments: N/A
The above 4 accounts are ones that I do not recognize. The OC name is vague, but based on the date of 1st delinquency being 10/2005 and 11/2005 I assume they are from my sons birth, as thats the only time I would have had medical care then. However I had full medicaid at the time so I shouldn't have had any charges for any of that. Also, I do not know what the Check guarantee for Creditor classification is. Based on Texas SOL, they would be out as of oct/nov this year, but I lived in Fl at the time they were accrued, but since I don't know what kind of charges they are, I don't know if they are under the 4 or 5 yr SOL for FL.
FINANCIAL CONTROL SVCS
Balance: $598
Date Updated: 03/2009
Original Balance: $598
Original Creditor: MED1 02 HILL COUNTRY ER PHYSICIANS
Past Due: >$598<
Pay Status: >Collection Account<
Account Type: Open Account
Responsibility: Individual Account
Loan Type: Collection Agency Attorney
Remark: >Placed for collection<
Date placed for collection: [ 12/2008]
Estimated date that this item will be removed: 03/2015
Above is charges for a ER visit for my son. It is pretty recent so SOL is too far off, and it would be pretty difficult to PIF due to the amount...I can make payments on it if necessary until its paid, and then begin the hippa process if it isn't removed..
FINANCIAL CONTROL SVC
HILL COUNTRY ER PHYSICIANS
Status:
Collection account. $195 past due as of Nov 2007.
Also a ways from SOL, can PIF. As with most of these, the charges are for my son who is uninsured
Theres another identical to the above except the account number, i'm not sure why there are 2 from the same Nov 2007 past due date, we didn't go to the ER twice that month
MERCHANTS&PROFESSIONAL C
Original Creditor:
SAN MARCOS MED IMAG
Status:
Collection account. $55 past due as of Dec 2008.
Account History:
Collection as of Feb 2008 to Dec 2008
Another one that I don't know what is, I havn't gotten any Xrays since a fall at work that was covered by workers comp, and it was in either 2006 or 2007. <b>I disputed this one with Experian 3 days ago, still waiting for results. </b>
QUALITY COLLECTIONS
Original Creditor:
LAKE MARY OB/GYN
Status:
Creditor cannot locate individual/Collection account. $193 past due as of Sep 2006.
Account History:
Collection as of Sep 2006, Jul 2006
Creditor cannot locate individual from July 05, 2006 to Sept 19, 2006
The above is the one I mentioned having no dates other than those in 2006, at which point I lived in texas, not in florida where this office was. my last visit to this office would have been mid 2005 at the latest, and again I was on medicaid for my pregnancy so no charges should have been due.
<b> I just disputed this one with experian as well </b>
NORTH AMER CRDT SVCS
Balance: $200
Date Updated: 01/2009
Original Balance: $200
Original Creditor: MED1 02 CENTRAL TEXAS MEDICAL CENTER
Past Due: >$200<
Pay Status: >Collection Account<
Account Type: Open Account
Responsibility: Individual Account
Loan Type: Collection Agency Attorney
Remark: >Placed for collection<
Date placed for collection: [ 09/2008]
Estimated date that this item will be removed: 03/2015
Another recent one I will work on paying...thats the last one...I know i need to pay the recent ones and if they arent removed I will follow the paid hippa process for them. The ones I really had questions about were the ones that I dont know the source of, and were during times I was covered by full medicaid during my pregnancy and delivery. That and the one with dates that are way off of when I last had appts at that drs office. If they are not out of SOL just yet, how can I go about pursuing why they were ever even billed without risking them going for a judgement?
My other primary question was about how to update my name with trans union since they show my maiden name, and out of curiosity why so many of my positive accounts are not showing up only on transunion, i was wondering if that could be a result of them having the wrong name.
Also, I have never requested a validation from the CA on any of the above debts. I noted beneath the 2 that I have filed disputes on, they are marked as under investigation currently since I just did that 3 days ago and don't have responses yet
Sorry about the signature last time, i wasn't thinking...force of habit!
Thanks again
ChaniiLove
