Hey everyone,
I got an alert today that said my credit score dropped 79 points. I was shocked because there is nothing that would make my credit drop so much. I got online and saw that there was a new collection listed on my account. Here's the deal though-This account is from an emergency room visit from a little more than a year ago. (1/24/08 to be exact.) This was an injury I had at work. It's covered by worker's compensation. Every bill I got, I sent to my worker's comp insurance. Six months after my accident, I got a bill from the emergency room for $102. I sent it in but worker's comp was not paying it. They were taking their time I guess. Even though I was getting pre-collection notices, I was told that it is illegal to send bills to collection if it is under worker's comp. Well, they sent it to collections and now my fico score is minus 79 points. Oh, not only that, in december, the emergency room figured that they weren't going to get anything from my worker's comp insurance so they billed my regular insurance and my regular insurance paid it. So why on earth would they send it to collection when it's been paid? How can I fight this? Also, does anyone know if it's true that worker's comp claims cannot be sent to a collection agency? Thanks.
