I have one last thing to clear off my TransUnion and I need help. I have a measly $60 collection account from a collection agency for a medical bill that wasn't paid by my insurance company. They tried to bill me three years after I went to get X-rays at an x-ray place. I thought that was a long time to wait until they billed me, so I refused to say it. You see, my bankruptcy was still on my record and a $60 collection wouldn't hurt me that much considering the BK. I sent TU a letter last year saying the account wasn't mine, they took it off, then verified it and put it back on. I sent a polite letter asking for validation, and all I got back was another copy of my credit report saying it was verified, and the phone number of the collection agency. What should my next step be?
how long??? I would not cal three years "timely." Why would any business wait that long to bill someone for services?? Are you a collector? breeze
Re: how long??? No. I'm a casual student of the law regarding credit reporting. I don't know why they would wait that long. Perhaps the question is, "Is there a statute of limitations for billing?" Who are you quoting with the word ""timely""?
============ You owe the medic for X-rays . They cost you the insurance .You owe them for their services. They owe you for the insurance check they cost you. What is there to quibble over? Every body's even!