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Posted: Wed Dec 27, 2006 10:28 am Subject: Very confused

Hi, for the past year i have been trying to get credit and every time, i'am told NO do to my lack of paying or things on my creditreport.
So i to checking in to my credit report and there are alot of unpaid doctor bills showing up.
I have been on disability since 1993 and i have full medicaid.
Is it possible that someone has used my name to incure these doctor bills?

Posted: Wed Dec 27, 2006 10:33 am Subject:

This could be very simple. Have you tried calling the different hospitals to provide them with that information. Or you could just dispute the debts in writing with the insurance attatched.

Posted: Wed Dec 27, 2006 10:41 am Subject:

The only that i have done at this time is despute them online with transunion, I said that those were not me and my bills.

Posted: Wed Dec 27, 2006 10:52 am Subject:

Sometimes the insurance companies don't pay the full amount of your medical bills so the remaining amount you are responsible for. You should also check w/ your insurance company to see if you have a hospital co-pay b/c if you do, the hospital 9 times out of 10 won't make you pay it up front, but will send you a statement in the mail. I know this for sure b/c I have a $50 hospital copay and if i have to stay in the hospital over night, my copay is $250 and i have utilized both and in eaither situation, they didn't ask me for my copay, but sent me a statment in the mail saying that i owe them the money.

Posted: Wed Dec 27, 2006 11:01 am Subject:

My medicaid pay's for all doctor visits & all of my monthly medications

Posted: Wed Dec 27, 2006 11:07 am Subject:

so don't make this harder than it really is. let's do this together one step at a time, because without being proactive you will not know the outcome. Again it could be a simple as you disputing them in writing with documentation proving that you were on medicare or medicaid. I know they pay for all medical expenses. So you might not be so bad off Very Happy

Posted: Wed Dec 27, 2006 11:10 am Subject:

But i desputed this online to transunion on the 19th and there form did not ask for any documantation.

Posted: Wed Dec 27, 2006 11:36 am Subject:

put your dispute in writing. They only have 30 days to respond and there are 2 other credits brs you have to go through

Posted: Wed Dec 27, 2006 11:39 am Subject:

Someone correct me if I'm wrong, but wouldn't it be a good idea to contact the medical offices to find out why the entire bill was not paid by Medicaid? I would think that would be the place to start, rather than with the credit bureau.

Posted: Wed Dec 27, 2006 11:40 am Subject:

Could you tell me how long a collection stays on your report in indiana?

Posted: Wed Dec 27, 2006 12:33 pm Subject:

SueBEe is right- I would contact Medicaid first. It might something as simple as they made a mistake and didn't deduct what they were supposed to. They can check out the recods listed, and see what happened. Give it a shot, it might be worth the phone call. Good Luck...Karen

Posted: Wed Dec 27, 2006 12:46 pm Subject:

Oh, you have medecaid, yeah, you shouldn't be owing anything in medical bills.

Posted: Wed Dec 27, 2006 12:51 pm Subject:

I believe that things fall off you credit report in 7 years, but if they have documentation that you owe them money, they can put it back on.

Posted: Wed Dec 27, 2006 12:55 pm Subject:

someone correct me if i'm wrong

Posted: Wed Dec 27, 2006 1:01 pm Subject:

but like bossy says it could just take a phone call

Posted: Wed Dec 27, 2006 1:06 pm Subject: loan

I agree with Bossy and Sue start with the doctors offices and medicaid and go there. Medicad pays in full. I do medical billing and know this for sure. KYSIDE38

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