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I forgot to pay a hospital co-pay fee of $75 and five months later i got a phone call from IDM (interstate debt managers) and they said that i had accumulated interest of $3.10. They said they sent me a collection notice but i never received anything in the mail. I went home that night and i paid the full $78.10. I'm wondering if this situation hurt my credit at all. And if it does effect my credit, is there anything i can do since i never received the collection notice in the mail like dispute it or something? Thank you. (I'm only 18 and i am so scared about ruining my credit at a young age)

Posted: Thu Aug 28, 2008 4:48 am Subject:

Pull your credit report and see if they are reporting you. If not then all is well. If they are, you can dispute it with the credit bureaus and see if it will come off.

Before I paid the money, I would've asked the CA if they were reporting, and if so, negotiated removal from your credit report. Of course, get everything in writing. THEN, I would've paid it. Once you pay the bill, you lessen your negotiating power.

Posted: Thu Aug 28, 2008 5:44 am Subject:

scratch that im sorry. my parents DID receive notifications of this in the mail. they never told me though... wow. i came home the night IDM called me and i told them about the situation and my mom said "oh yea... mail did come about that. im sorry i didnt tell you. i must have forgot..." am i really going to be punished for the mistakes of my mother? and i dont check the mail and when i did go to the emergency room the insurance was under my dads name so i had no say in this at all. whats going to happen to my credit score? please help me im so scared.

Posted: Thu Aug 28, 2008 10:12 am Subject:

Pull your credit report. See if it's listed there. If not, no worries. If so, dispute it. Since it's paid now, that's pretty much all you can do if it shows on your credit report. That and call the CA and ask them to remove it.

You're panicing without having all the facts. If it's not reporting, then you would have stressed yourself over nothing. Take a deep breath and do as suggested.

Need help12345 · Posted: Mon Sep 29, 2008 10:46 am Subject: Credit

I have about 4 credit cards that are at their max. Can i call the CC companies and explain my financial issues and will they work with me?

Posted: Mon Sep 29, 2008 12:08 pm Subject:

Calling them would be the first step I would take. Don't know if they will work with you (most do). Can't hurt to ask. If they won't work with you, then you'll know that you have to take another avenue to resolve your debt.