How do you deal with these? I am afraid I will do the wrong thing and make it worse, so that is paralyzing me and stopping me from doing anything.
I posted this question in the forum but I am still perplexed. The problem is an old medical bill for a dermatologist that the HMO kept refusing to pay by telling us we didn't have proper authorization. We tried and tried but got nowhere with them, and then somehow I missed it when the idiots turned it over to a collection agency, who then put the negative item on the credit report.
I will keep researching but if anyone here has had experience with this, please let me know.
This is putting my life on hold and I have a tuition bill coming up in January. We had been squeaking by with private loans. Much as I hate that, it is better than tapping my savings that are all in IRAs.
My latest quandary - negative item on credit report
October 29th, 2009 at 12:48 am
October 29th, 2009 at 01:26 am 1256779608
Or you can ask the collection agency for proof that you owe the debt. Even if it's legitimate debt, oftentimes they can't provide that, and it must be removed from your credit report.
Or, if you resolved anything with the HMO, dr.'s office, ask for a letter stating that, and then send that to the credit bureau asking them to remove the item from the report.
October 29th, 2009 at 12:20 pm 1256818823
November 1st, 2009 at 04:11 am 1257048662
http://credit.about.com/od/debtcollection/a/payfordelete.htm
November 28th, 2009 at 02:18 pm 1259417905