Paid Medical Collection
[ Follow Ups ] [ Post Followup ] [ Credit Forum Index ]
Posted by Cameron (208.48.40.250) on August 02, 2004 at 21:18:08:
Hello all, I am in hopes someone maybe able to offer advice on my current delema ... I am told Why Chat is very good in this area. Here's the situation: - 01/03 Was injured - 03/03 Started getting hospital bills (1 large, several small). - 04/03 Got final insurance statement (what they paid, what I owed). - 05/03 - 06/03 Made 2 payments on this medical bill, $100 each. - 08/03 Informed I was sent to collections because I did not sign-up with the hospitals "offical" payment plan. Was also told they could not pull back the account from collections ... which I later found out to be false. - 08/03 Called CA. Explained my situation and that my biggest concern was that I did not want this to appear on my credit report. The rep assured me that if I make payments and pay-off the debt, that it would not appear on my credit report. I kept records of my payments to the CA:
=======================================================
September: Payment $200.00
=======================================================
Payment was due: 09/12/03
Payment was mailed: 09/12/03 - 0 days past due date.
Payment was processed: 09/23/03 - 11 days after payment was mailed.
=======================================================
Payment was no more than 11 days late.
=======================================================
October: Payment $200.00
=======================================================
Payment was due: 10/22/03
Payment was mailed: 10/24/03 - 2 days past due date.
Payment was processed: 10/28/03 - 4 days after payment was mailed.
=======================================================
Payment was no more than 6 days late.
=======================================================
November: Final Payment $112.42
=======================================================
Payment was due: 11/27/03
Payment was mailed: 12/09/03 - 12 days past due date.
Payment was processed: 12/15/03 - 6 days after payment was mailed.
=======================================================
Payment was no more than 18 days late.
At no time was I ever 18 days late with a payment, the last payment was mailed 12 days late. Low and behold 02/04 the account shows up on all 3 reports "paid collections". Today I called the CA and asked to speak with a supervisor. The rep said let me get your information to pass it on to a supervisor. Long story short after telling her my story and her telling me the reason it was reported was that I missed my November payment, she said the super would have to call me tomorrow ... That is when I sat down and went through the CA bills and my canceled checks and put the above chart together. So do I even bother when the supervisor calls tomorrow? Or do I send a VD letter and dispute "not mine" with CRA? Whats my best move? Thanks in advance for any help. Cameron P.S. This is the only collection left on my report, I've worked hard to get it where it is today, about 642 FICO with all 3.
Follow Ups:
Post a Followup
|
