What does this mean? "Doctor's bills cannot appear on your report. But collections resulting from these accounts can. In the case of such collections, there is no duplicate negative listing, since the original creditor is not allowed to put a listing on your account, so this collection may legally remain on your report."
my understanding of that statement is medical offices won't report to credit bureaus, which means as long as the medical office is billing you about your outstanding balance due, your credit report will not reflect it. however after a certain amount of time that your balance remains open (probably 90 or 120 days) the medical office will sell your balance to a collection company. that collection company WILL report to a credit bureau, which will be ONE negative listing on your credit report. you won't be able to get the item removed from your report with the reasoning of a duplicate negative listing because there will only be one listing for the outstanding balance. that's my best guess.
I am still researching this..... there seems to be a school of thought that even a CA cannot legally report a medical on your CR. It is still a disclosure of medical information. This is possibily a violation of HIPAA. I have read elsewhere that this can be used to get a delet from your CRA's Anyone have any thought or experience with this "HIPAA" Because of HIPAA this is way health care providers do not report to CRA's
Paid For Delete==PFD some but not all JDB's will do a pay for delete, but caution you must get it in writing for them, DO NOT just take a verbal agreement from a debt collector that they will deletet if paid GET IT IN WRITING.......I recomend you do some researche on credit boards about this
In my HIPAA training, I was told that an unpaid medical collection account can be reported. Once it is paid, it must be removed (though some CAs will say otherwise to their peril).
SAINT65 are you saying reguardless who gets paid the OC or CA that a med MUST be removed from a credit report....if so thats very interesting....can you point me to the law on this......my debts are so small it rediculious ( my stepson was with us for a couple of years and the only mail he got was from CA's and bills....thats why I never saw them....he trashed all that stuff...mine too I am guessing )
Here's the reason. HIPPA prevents the doctor from reporting; but even if the doctor would report, the CRA's have to block medical information. In different reports, it's masked different ways. It's more likely probable, that while they can block a CA's note of the OC; blocking the CREDITOR itself would be impossible. So evenif the provider would try iy, they'ld be prevented from doing so.
