Please help! I have one medical collection 6 years old which I knew nothing about till pulling credit report. I could not get in touch with OC to pay the $166. This was a group that contracted with our local hospital and provided the ER physicians. Our hospital no longer uses them- Barrier Island Emergency Physicians. I have called the hospital, googled, and searched the internet to try to locate this OC to pay, but cannot find them. I sent first letter to CRA and they sent back as verified, but with no info. Next I sent HIPPA letter to CA and they just responded back that according to Fair Debt Collection Practices Act that I was " sent initial notification of your debt on 10/15/04 and you did not dispute this debt within your 30-day time period, or you have already paid the debt thus acknowledging it as valid, or we have sent you verification at a prior date. There is no obligation for a debt collector to provide verification upon receipt of a verification demand after the expiration of the validation period." Well I never received anything from them. I am trying to buy house now and this collection is holding my FICO score down. I have had no lates in almost 2 years and revolving credit use I keep below 5%, but cannot get score above 670. I need at least a 680 according to bank. What can I do?
