I think that the only 'persons' that should be allowed to report to a credit bureau are those that also have a permissable purpose to obtain a report in the first place. That would get rid of medical collections being placed on the report or you doctors will be permitted to pulled your credit at each doctor's visit I also think that the FCRA should address the who can report. Personally, I do not consider a medical bill an extension of credit. Every other piece of credit requires an application except for this. Am I babbling because I am mad about medical collections popping up on me? YES
What worked for me with the medical collections was: 1. sent validation - got printout with writing on it, no signature. 2. Sent Estoppel - no response 3. Sent intent to sue letter (courtesy of KustomKat) Received letter saying the were deleting within the time limit given and a copy of the UDF attached. The collection was only for $184. It was really for my daughter when I gave birth. I had insurance but the Dr. didn't take my insurance. I had requested copy of signed document, copy of submittal to insurance co. and a copy of document showing balance after payment. I was very specific on what I wanted. I never disputed with CRAs for this collection. But they failed to show it was in dispute. I had them on solid violations and they knew it. I never sent anything signed only CRRR. When they deleted I gained 24 pts! I am now dealing with ASSet. I will post the results in about 30-45 days. Considering mailing time back and forth. I am going to dispute inquiries in my next round of disputes. The only that has alot of inquiries is Experian. Of course, that is who everyone pulls. Love, it takes time to deal with the CRAs & CAs. I don't know who is worse. I have some inquries from CAs that don't even report on my credit report. I guess they were looking into buy the collection. Why should anyone care about permissable purpose? The CRAs don't care, it's a money making machine. As usual the Consumer gets screwed.
Sure it is. I think you know it & maybe you're trying to buy some time They provide you a service, and you pay a portion of the cost upfront, with the understanding that your insurance will reimburse them at a later date. Unless specifically prohibited by the provider agreement with the HMO, they have the right to recover their costs. The caveat may be the new patient form you sign, obligating you to pay for services not covered by insurance.
