Good afternoon,   I have one collection on my current Equifax and Transunion reports.  It is not on my current Experian report.  It is a medical collection in the amount of $1,090 for services on December 5, 2021.  I am following Why Chat's HIPAA dispute method.  I opted-out on March 24, 2024.  My dispute letters to the CRAs were sent via priority mail, signature required, and they were signed for on April 2, 2024 and April 3, 2024 by Equifax and Transunion.    I have not received anything from Transunion yet, but today, April 14, 2024, I received a lett ..read more

Hi I need some help with a dental bill from December 2020 in Texas. My daughter had her wisdom teeth removed and both myself and my wife had dental coverage. The dentist billing office through a series of screwups didn’t properly submit the claim to my insurance as secondary insurance within the time period allowed by the insurance company.  The billing department kept submitting my information to my wife’s insurance instead of my daughters information to my insurance      I have tried for months after the procedure to get it straightened out and have emails I sent to the ..read more

Mother in law had surgery in May. She wasn’t insured. She ended up getting injured again, and was unable to continue payments.    she received a bill from Medical Revenue Services for a little over $8,000 collecting on behalf of the hospital. The letter states she has until December 15th to dispute the bill.    After doing some research from WhyChats guides, it seems to be appropriate to send the initial HIPAA dispute letter, correct? She eventually wants to settle, but I told her it may be too soon to try, given that she just received the first letter and nothing it report ..read more

Can't seem to find a definitive answer on this. Currently have a $900 medical bill in collection with UCB and reported to Transunion and Experian. The service was in Spring of 2021.  If I settle this with UCB for a lesser amount, will it be removed from my credit report ..read more

$8000+ medical collections from 2020 showing on Experian   I sent Experian initial letter.   Collection agency responded verifying the debt. Included with the verification is some medical record of the ER visit, including a note that I was notified the provider was out of network and consented to treatment (I do not remember this at all. I was in the ER treated by multiple people and only this provider's bill is an issue.)   My Explanation of Benefits shows insurance paid this provider around $600 and my portion is the standard 20% co-insurance.   When I spoke to my insuran ..read more

Hello, I had a medical bill of $6000+ and I went on a 12 month payment plan. My payment plan ends in Feb 2024. I used to pay a little more every month when I had some extra cash. By end of June of 2023 I paid off most of my bill with only $320 left. I paid most of it early as I was going back to school for rest of the year and wouldn't have any income. I thought I will pay off the remaining $320 once I get a job starting next year.   Lo and behold, today I get a collections letter for the $320 amount. I thought I might have miscalculated the dates and was afraid I screwed up. But NO. I l ..read more

Medical collection My husband has a medical collection for $1900. This was for an E/R visit, prior to having insurance. It went to collections because I wasn't able to negotiate on his behalf due to hospital not uploading the HIPAA form with my name on it while he was out of the country. He is a lawful permanent resident (Greencard holder) now. He has a SS and is working to build credit. This collection item doesn't show up on his credit reports yet. We want to pay it, however don't want it to affect his credit. What is the best way to handle this with the Collection agency (Revco Solutions ..read more

Experian has responded to my initial dispute in size 7 font. Quote   We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, "if the completeness or accuracy of any item of information contained in a consumer's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company s ..read more

Hello I just paid my medical bill and some reason its not coming off my credit profile. how do I remove it ..read more

Is I t legal to think you are paying the hospital but instead it is billed to the hospitals collection department/agency without your knowledge? Example: you call hospital billing and make a payment. They do not tell you you are paying the collection department. They apply said payment as collection.  Collection is TLRA. A company that does account recovery. It is yet unclear if they are an actual collection agency. Just got a letter from said department today with an unknown payment history. TLra can be easily looked up on the internet for Christus Good Shepherd hospital. It says they ar ..read more