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 Posted: Wed Jul 25, 2007 9:48 am Subject: Medical Bills |
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I have a medical condition. Hypertension. I go to the clinic often, I have told them many times I can't afford medical services. When I speak with a medical social worker, she feels that I can afford. My husband recieve Social Security and a annuity. He drives truck part-time. These folks have ruined my credit. At one time I had Blue Cross and Blue Shield, they cancelled me after I had a hysterectomy. They stated this was a pre-exsisting condition. This was un-true. Most women will experience this in their mid 40's. How can I get these collections off my credit. I filed a DK over 40,000 med. about three years ago. I can't get my life on track because these collections are ongoing.I need to know. As far as I am concern I am indigent,
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shirl
Guest
Debtcc Points: 100
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| Posted: Wed Jul 25, 2007 12:36 pm Subject: |
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Under the FCRA laws, accurate negative items stay in the credit report for seven years starting from the date of first delinquency. Do you think the CA is reporting an inaccurate item in your credit file? If so, you need to file a dispute with the CA and the CRA and request for the item to be investigated. They have to show you valid proof of the item being correct, otherwise it must be deleted.
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onelamb
Joined: 25 Jul 2006
Posts: 436
Debtcc Points: 2736
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| Posted: Thu Jul 26, 2007 6:35 am Subject: |
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Oh don’t worry so much, it will worsen your condition. If you think that the collection agency is reporting derogatory items in your report, then you should dispute it with the CRA as well as the CA. Send a dispute letter to the CRA and a debt validation letter to the CA. Send the letter via certified mail with a RRR.
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goodnelly
Debt Samaritan
Joined: 20 Jun 2007
Posts: 632
Debtcc Points: 8494
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